TAMPA, FL - [December 4, 2025] Today, Heritage Property & Casualty Insurance Company announced that the Florida Office of Insurance Regulation has approved a rate decrease for its Florida policyholders, with some counties seeing their rates decrease up to 9.6%. On average, Heritage Policyholders will realize a 3.3% decrease. This new rate will become effective for both new and renewal policies starting February 18, 2026. This is the second approved rate decrease Heritage has received in two years, since a 3.3% rate decrease was approved in August 2024.

Notable rate decreases for Heritage Policyholders include:

• Seminole County - 9.6% reduction
• Osceola County - 7% reduction
• Hillsborough County - up to 6.7% reduction
• Lee County 6.4% reduction
• Orange County - 6.1% reduction
• Tri-county (Miami-Dade, Broward, Palm Beach Counties) - up to 5% reduction

Ernie Garateix, CEO of Heritage Insurance, said, "This rate decrease is an important change for our Florida policyholders and a sign of our continued commitment to affordable and reliable insurance solutions. The approval of this rate decrease also demonstrates how the reforms Florida has made to its insurance market are paying off. Most importantly, we are putting Floridians first and supporting the communities who rely on us."

The approved rate decrease comes as Florida's insurance market continues to improve from legislative reforms and advocacy efforts that have reduced legal costs, cut down on unnecessary claims activity, and helped steady the reinsurance market. With these conditions, Heritage is able to pass meaningful savings on to policyholders while still keeping its financial footing strong.

About Heritage

Heritage Insurance Holdings, Inc. is a super-regional property and casualty insurance holding company providing personal and commercial residential coverage across the Northeast, Southeast, Hawaii, and California through its insurance subsidiaries and a trusted network of experienced agents. Writing approximately $1.4 billion in gross premiums, Heritage specializes in protecting policyholders in catastrophe-prone areas. With deep expertise in hurricane, wildfire, winter storm, and severe convective storm response, Heritage is committed to helping families and communities recover quickly when disaster strikes.