March 2022 Investor Presentation

BOOK OF BUSINESS Heritage has $1.2 billion of premiums in-force across three statutory insurance entities (Heritage/NBIC/Zephyr) and primarily writes personal residential (PRES) insurance. Heritage also writes commercial residential (CRES) insurance and a small amount of commercial general liability (CGL) insurance. Heritage is actively writing in sixteen states, but has licenses in seventeen. GEOGRAPHIC FOOTPRINT TOTAL INSURED VALUE (PROPERTY) GROSS PREMIUMS-IN-FORCE Other*, 13% NC, 3% Other*, 17% NC, 2% FL, 27% HI, 10% HI, 5% MA, 6% NJ, 7% = actively writing licensed Powered by Bing © GeoNames, MSFT, Navteq 3 Statutory Insurance Entities: March 2022 Investor Presentation MA, 8% NY, 25% NJ, 10% NY, 18% FL, 48% *Other includes AL, CA, CT, DE, GA, MD, MS, RI, SC, & VA PRES = personal residential ⚫CRES = commercial residential • CGL = commercial general liability ⚫ TIV = total insured value AL, CA, FL, GA, MS, NC, SC CA, CT, DE, MA, MD, PA, NJ, NY, RI, VA HI H→> H HERITAGE® INSURANCE Narragansett Bay Insurance ZEPHYR INSURANCE COMPANY, INC. 6 H

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