Heritage Insurance Holdings, Inc. (NYSE: HRTG) is a property and casualty insurance holding company that offers homeowners insurance and related coverage products in the United States. Through its primary subsidiary, Heritage Property & Casualty Insurance Company, the firm underwrites standard and non-standard personal lines insurance, including homeowners, dwelling fire, flood, and condominium policies. Heritage leverages a network of independent insurance agents to distribute its products across select regional markets, with an emphasis on serving property owners in areas prone to severe weather events.
Founded in 2011 and headquartered in Jupiter, Florida, Heritage Insurance has grown to become one of the leading providers of residential property insurance in the state. The company’s product portfolio includes windstorm and hail protection, personal liability coverage, and endorsements for jewelry, water backup, and other homeowner add-ons. Heritage has also expanded its offerings beyond Florida, writing business in markets along the Gulf and East Coast regions, where demand for specialized coastal risk solutions remains high.
Under the leadership of President and Chief Executive Officer Peter C. Dickinson, Heritage pursues a strategy focused on disciplined underwriting and comprehensive risk management. The company employs catastrophe modeling and resilient building criteria to inform policy terms and pricing, aiming to balance homeowner affordability with long-term financial stability. Heritage’s risk mitigation initiatives include partnerships with building code experts and engineering consultants to support construction practices that minimize storm damage.
Governed by a board of directors with extensive experience in insurance and financial services, Heritage Insurance strives to maintain strong capital reserves and reinsurance arrangements to support claim-paying ability following major weather events. By combining regional expertise, product innovation, and agent relationships, Heritage seeks to deliver targeted property insurance solutions tailored to the unique risk profiles of coastal and inland homeowners.
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