HERITAGE INSURANCE HOLDINGS, INC.		Exhibit 21
	Subsidiaries
Wholly-owned subsidiaries of Heritage Insurance Holdings, Inc.		State of Incorporation
	Heritage Property & Casualty Insurance Company, Inc	Florida
	NBIC Holdings, Inc.	Delaware
	Zephyr Acquisition Company	Delaware
	Heritage MGA, LLC	Florida
	Osprey Re Ltd	Bermuda
	Contractors' Alliance Network	Florida
	Skye Lane Properties, LLC	Florida
	First Access Insurance Group, LLC	Florida
Wholly-owned subsidiaries of NBIC Holdings, Inc.
	Naragansett Bay Insurance Company	Rhode Island
	NBIC Financial Holdings, Inc	Rhode Island
	NBIC Service Company, Inc	Rhode Island
	Westwind Underwriters, Inc	Rhode Island
	Pawtucket Insurance Company	Delaware
Wholly-owned subsidiaries of Zephyr Acquisition Company
	HI Holdings, Inc	Hawaii
	Zephyr Insurance Company, Inc.	Hawaii