March 2022 Investor Presentation

THE HERITAGE STORY Founded in 2012, Heritage has quickly grown into a leading coastal US P&C insurer. 2012 Company inception Started writing voluntary personal residential (PRES) business in FL Participated in first personal residential assumption from FL Citizens 2015 Initiated quarterly cash dividend 2017 Began writing PRES in GA and AL Sawgrass Mutual policy assumption ➤ Acquired NBIC, a coastal HO insurer in NY, NJ, CT, RI & MA -2019 Began writing PRES in VA Began writing CRES in NJ (first CRES expansion outside FL) Expanded product offering in Hawaii 2014 HRTG IPO (NYSE): $11/share Sunshine State policy assumption Launched commercial residential (CRES) division and participated in first commercial residential assumption from FL Citizens March 2022 Investor Presentation 2016- ➤ Began writing PRES in NC & SC, beginning of multi-state expansion Acquired Zephyr, a wind-only HO insurer in HI Launched GL insurance in FL Commenced Nat Gen partnership ➤ AoB begins to meaningfully impact results Final year Heritage participated in Citizens assumptions 6 2018- Received KBRA financial strength and investment grade issuer ratings ➤ CAN expansion to non-FL states GEICO relationship expands ➤ Commenced Safeco (Liberty Mutual) partnership ➤ Eliminated majority of convertible debt used to acquire NBIC 2020- Surpassed $1B of premiums in- force ➤ Began writing PRES in CA, DE, MD and MS ➤ Commenced partnership with The Hartford H

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