March 2022 Investor Presentation
DIVERSIFICATION STRATEGY UNDERWAY
% OF CONSOLIDATED PROPERTY TOTAL INSURED VALUE (TIV) IN FLORIDA
100.0%
100.0%
100.0%
100.0%
100%
90%
80%
34.0%
Zephyr acquisition
Heritage has been reducing its exposure to Florida's
Tri-County region and diversifying to new states,
resulting in a better spread of risk, better claims
trends and lower reinsurance costs.
70%
58.9%
70.6%
57.1%
67.6%
60%
50%
25.7%
41.3%
NBIC acquisition
40%
15.4%
30%
32.1%
31.6%
30.1%
31.3%
26.9%
20%
41.1%
11.5%
40.3%
21.7%
32.4%
23.3%
23.7%
25.8%
10%
27.5%
22.8%
17.8%
3.8%
2.9%
0%
6.6%
2.0%
5.5%
1.9%
4.3%
3.5%
1.1%
3:0%
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
March 2022 Investor Presentation
Personal Residential: Tri-County, FL
Commercial Residential: Tri-County, FL
20
Other FL
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