# EDGAR Filing Document

**Accession Number:** 0001873951
**File Stem:** 0001193125-25-272389
**Filing Date:** 2025-11
**Character Count:** 9910
**Document Hash:** 0625d1a2c3f576abc565c2b6b0fc67fc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-272389.hdr.sgml**: 20251107

**ACCESSION NUMBER**: 0001193125-25-272389

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 13

**CONFORMED PERIOD OF REPORT**: 20251107

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251107

**DATE AS OF CHANGE**: 20251107

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Exzeo Group, Inc.
- **CENTRAL INDEX KEY:** 0001873951
- **STANDARD INDUSTRIAL CLASSIFICATION:** FIRE, MARINE & CASUALTY INSURANCE [6331]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 852578837
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-42937
- **FILM NUMBER:** 251462843

**BUSINESS ADDRESS:**
- **STREET 1:** 1000 CENTURY PARK DRIVE
- **CITY:** TAMPA
- **STATE:** FL
- **ZIP:** 33607
- **BUSINESS PHONE:** 813-776-1000

**MAIL ADDRESS:**
- **STREET 1:** 1000 CENTURY PARK DRIVE
- **CITY:** TAMPA
- **STATE:** FL
- **ZIP:** 33607

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** TypTap Insurance Group, Inc.
- **DATE OF NAME CHANGE:** 20210720

?xml version='1.0' encoding='ASCII'? 8-K

### UNITED STATES

### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

### FORM 8-K

#### CURRENT REPORT

#### Pursuant to Section 13 or 15(d)

#### of the Securities Exchange Act of 1934

#### Date of Report (Date of Earliest Event Reported): November 7, 2025

## Exzeo Group, Inc.

#### (Exact Name of Registrant as Specified in Its Charter)

---

| | | |
|:---|:---|:---|
| **Florida** | **001-42937** | **85-2578837** |
| **(State or Other Jurisdiction**<br> **of Incorporation)** | **(Commission**<br> **File Number)** | **(I.R.S. Employer**<br> **Identification Number)** |

---

#### 1000 Century Park Drive

#### Tampa, Florida 33607

#### (Address of Principal Executive Offices)
(813) 776-1000

#### (Registrant's Telephone Number, Including Area Code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading**<br> **Symbol(s)** | **Name of each exchange**<br> **on which registered** |
| Common Stock, par value $0.001 | XZO | New York Stock Exchange |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☒

------

---

| | |
|:---|:---|
| **Item 2.02** | **Results of Operations and Financial Condition**  |

---

The information contained below under Item 7.01 in this Current Report on Form 8-K, including Exhibit 99.1 incorporated therein by reference, is incorporated into this Item 2.02. Such information is being furnished and, as a result, such information shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the "Securities Act"), or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

---

| | |
|:---|:---|
| **Item 7.01.** | **Regulation FD Disclosure.** |

---

On November 7, 2025, HCI Group, Inc. ("HCI"), the controlling shareholder of Exzeo Group, Inc. ("Exzeo"), filed with the Securities and Exchange Commission (the "Commission") its Quarterly Report on Form 10-Q for the quarter ended September 30, 2025 (the "Q3 10-Q"). Note 15 "Segment Information" in the notes to HCI's Consolidated Financial Statements (unaudited) for the quarter ended September 30, 2025, set forth in the Q3 10-Q includes select financial information of Exzeo for the three and nine months ended September 30, 2025 and 2024, which information is attached hereto as Exhibit 99.1 and is incorporated herein by reference. Such Exzeo financial information was prepared in accordance with an insurance company presentation format for HCI's reporting purposes. Exzeo has not yet released its financial statements for the three and nine months ended September 30, 2025 and 2024, and will do so in its Quarterly Report on Form 10-Q for the quarter ended September 30, 2025, which it intends to file with the Commission within 45 days following the effective date of its Registration Statement on Form S-1, as required by applicable rules and regulations of the Commission.

The information contained in this Item 7.01 is being furnished and shall not be deemed "filed" for purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities under that section, or incorporated by reference in any filing under the Securities Act or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

#### Forward-Looking Statements
This Current Report on Form 8-K may contain forward-looking statements made pursuant to the Private Securities Litigation Reform Act of 1995. These statements relate, among other things, to expectations regarding the timing of filing Exzeo's reports pursuant to the Exchange Act. Words such as "anticipate," "estimate," "expect," "intend," "plan," "confident," "prospects" and "project" and other similar words and expressions are intended to signify forward-looking statements. Forward-looking statements are not guarantees of future results and conditions, but rather are subject to various risks and uncertainties. Some of these risks and uncertainties are identified in the company's filings with the Securities and Exchange Commission. Should any risks or uncertainties develop into actual events, these developments could have material adverse effects on the company's business, financial condition and results of operations. Exzeo disclaims all obligations to update any forward-looking statements.

---

| | |
|:---|:---|
| **Item 9.01.** | **Financial Statements and Exhibits**  |

---

(d) Exhibits.

---

| | |
|:---|:---|
| Exhibit<br> No. | Description |
| 99.1 | [Select Financial Information of Exzeo for the three and nine months ended September 30, 2025 and 2024.](d63298dex991.htm) |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document). |

---

------

#### SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

Dated: November 7, 2025.

---

| | |
|:---|:---|
| EXZEO GROUP, INC. | EXZEO GROUP, INC. |
| By: | /s/ Brook Baker |
|  | Name: Brook Baker<br> Title: General Counsel |

---

## Exhibit 99.1

**Exhibit 99.1** 

**Select Financial Information of Exzeo Group, Inc.** 

The following tables present segment information of Exzeo Group, Inc. ("Exzeo") contained in the notes to the consolidated financial statements (unaudited) of HCI Group, Inc. ("HCI") for the three and nine months ended September 30, 2025 and 2024 set forth in HCI's Quarterly Report on Form 10-Q for the quarter ended September 30, 2025 filed with the Securities and Exchange Commission on November 7, 2025. The segment results presented below are figures disclosed within HCI's segment reporting within the "Exzeo Group" segment. Accordingly, they may differ from the results that will be presented in Exzeo's standalone consolidated basis and may reflect differences in classification or rounding, as well as differences due to consolidated level true-up adjustments and presentation differences. All intercompany accounts and transactions among Exzeo and its consolidated subsidiaries are eliminated in the results below.

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **Three Months Ended,**<br>**September 30,** | **Three Months Ended,**<br>**September 30,** | **Nine Months Ended,**<br>**September 30,** | **Nine Months Ended,**<br>**September 30,** |
|  | **2025** | **2024** | **2025** | **2024** |
|  **Revenue:** |  |  |  |  |
|  Net income from investment portfolio | $1101 | $197 | $2262 | $339 |
|  Other | 55167 | 28593 | 163665 | 89415 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total revenue | 56268 | 28790 | 165927 | 89754 |
|  **Expenses:** |  |  |  |  |
|  Other policy acquisition expenses | 10071 | 9090 | 32812 | 27800 |
|  Stock-based compensation expense | 730 | 1471 | 2159 | 2828 |
|  Interest expense |  | 15 |  | 3321 |
|  Depreciation and amortization | 758 | 655 | 2197 | 1926 |
|  Personnel and other operating expenses | 16354 | 11733 | 47320 | 34423 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total expenses | 27913 | 22964 | 84488 | 70298 |
|  **Income before income taxes** | $28355 | $5826 | $81439 | $19456 |
|  **Total revenue from non-affiliates** | $1101 | $(336) | $4012 | $839 |

---