HRTG's Reinsurance Program: Why is it a Cornerstone of Growth?
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jun 26 2025
0mins
Source: NASDAQ.COM
Heritage Insurance Holdings Overview: Heritage Insurance relies heavily on reinsurance to manage risks in catastrophe-prone coastal markets, implementing new agreements effective June 1, 2024, which have improved its financial metrics and positioned it for growth in higher-margin sectors.
Market Performance and Competitors: HRTG's shares have surged by 83.5% year-to-date, outperforming industry peers like Universal Insurance Holdings and HCI Group, while maintaining a strong buy rating and positive revenue and earnings projections for 2025 and 2026.
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Analyst Views on UVE
Wall Street analysts forecast UVE stock price to rise
1 Analyst Rating
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 31.920
Low
40.00
Averages
40.00
High
40.00
Current: 31.920
Low
40.00
Averages
40.00
High
40.00
About UVE
Universal Insurance Holdings, Inc. is a holding company providing property and casualty insurance and value-added insurance services. The Company's primary insurance entities, Universal Property & Casualty Insurance Company (UPCIC) and American Platinum Property and Casualty Insurance Company (APPCIC and together with UPCIC, the Insurance Entities), offer insurance products through both its appointed independent agent network and its online distribution channels across its multi-state footprint (primarily in Florida). It develops, markets and writes insurance products for consumers predominantly in the personal residential homeowners lines of business and perform substantially all other insurance-related services for its primary insurance entities, including risk management, claims management and distribution. Its subsidiary, Evolution Risk Advisors, Inc., is the managing general agent for the Insurance Entities. ERA advises on actuarial issues, and oversees distribution, among others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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