Wholly-owned subsidiaries of Heritage Insurance Holdings, Inc.

State of Incorporation

Heritage Property & Casualty Insurance Company, Inc

Florida

Heritage MGA, LLC

Florida

Contractors' Alliance Network

Florida

Osprey Re Ltd

Bermuda

Zephyr Acquisition Company

Delaware

NBIC Holdings, Inc.

Delaware

Wholly-owned subsidiaries of NBIC Holdings, Inc.

Narragansett Bay Insurance Company

Rhode Island

NBIC Financial Holdings, Inc

Rhode Island

NBIC Service Company, Inc

Rhode Island

Wholly-owned subsidiaries of Zephyr Acquisition Company

HI Holdings, Inc

Hawaii

Zephyr Insurance Company, Inc.

Hawaii