Key Takeaways Heritage uses AI, machine learning and analytics to improve underwriting in catastrophe-prone areas.Digital platforms drive direct sales, policy issuance and agency integration for broader reach.HRTG's shares are up 88.6% YTD, with consensus estimates showing strong revenue and EPS growth.Heritage Insurance Holdings (HRTG) , a super-regional U.S. property and casualty insurer, like other insurers, is increasingly leaning on technology to sustain profitability, improve efficiency and enhance cu ...