Heritage Insurance Holdings, Inc. is a super-regional property and casualty insurance holding company that provides personal and commercial residential property insurance through three vertically integrated insurance subsidiaries operating across eastern, gulf, and select western states. The company underwrites admitted policies in fourteen states plus Hawaii, excess and surplus lines coverage in select additional states, and wind-only insurance in Hawaii, generating revenue through premium income from policies distributed via an extensive network of independent agents and retail partnerships. Heritage differentiates through in-house claims operations, proprietary underwriting analytics, disciplined risk selection, and comprehensive catastrophe reinsurance arrangements with highly-rated private reinsurers and state-sponsored funds, positioning itself to balance growth with the management of weather-related catastrophic risk.