March 2022 Investor Presentation
PREMIUM GROWTH
Heritage has experienced significant premium growth since inception, most recently stemming from organic
growth, while earlier growth stemmed from Citizens depopulation transactions and M&A.
Heritage's premium growth is unprecedented, reaching over $1 billion of premiums in-force 8 years after the company's founding. The modest
premium decline in 2018 and low premium growth in 2019 stemmed from Tri-County FL exposure reduction efforts.
$1,200
$1,000
$800
$600
$400
$461.3
IN-FORCE PREMIUM
$1,172.1
59.6
$1,082.3
54.4
$942.4
55.4
$923.7
53.5
$940.6
53.5
331.5
337.2
356.3
$635.3
$591.5
58.1
461.3
398.6
629.2
651.2
591.5
577.2
555.5
533.0
530.8
$200.1
461.3
$200
$51.6
200.1
51.6
$0
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HPCIC NBIC Zephyr
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March 2022 Investor Presentation
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