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    SEC Form SCHEDULE 13G filed by Exzeo Group Inc.

    2/13/26 9:55:40 AM ET
    $XZO
    Property-Casualty Insurers
    Finance
    Get the next $XZO alert in real time by email



    SECURITIES AND EXCHANGE COMMISSION
    Washington, D.C. 20549


    SCHEDULE 13G


    UNDER THE SECURITIES EXCHANGE ACT OF 1934
    Exzeo Group, Inc.

    (Name of Issuer)


    Common Stock

    (Title of Class of Securities)


    30234F101

    (CUSIP Number)


    12/31/2025

    (Date of Event Which Requires Filing of this Statement)


    Check the appropriate box to designate the rule pursuant to which this Schedule is filed:
    Checkbox not checked   Rule 13d-1(b)
    Checkbox not checked   Rule 13d-1(c)
    Checkbox checked   Rule 13d-1(d)






    SCHEDULE 13G

    CUSIP No.
    30234F101


    1Names of Reporting Persons

    Paresh Patel
    2Check the appropriate box if a member of a Group (see instructions)

    Checkbox not checked  (a)
    Checkbox not checked  (b)
    3Sec Use Only
    4Citizenship or Place of Organization

    UNITED STATES
    Number of Shares Beneficially Owned by Each Reporting Person With:
    5Sole Voting Power

    6,572,013.00
    6Shared Voting Power

    0.00
    7Sole Dispositive Power

    6,572,013.00
    8Shared Dispositive Power

    0.00
    9Aggregate Amount Beneficially Owned by Each Reporting Person

    6,572,013.00
    10Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

    Checkbox not checked
    11Percent of class represented by amount in row (9)

    6.86 %
    12Type of Reporting Person (See Instructions)

    IN

    Comment for Type of Reporting Person:  Included in the reported beneficial ownership of the Reporting Person are (i) 1,572,013 shares of common stock and (ii) 5,000,000 shares of common stock underlying options that are currently exercisable. Row 11 represents the percentage of the outstanding shares of common stock held by the Reporting Person based on 90,771,289 shares of common stock issued and outstanding, as reported by the Issuer in its Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission on December 11, 2025, increased by 5,000,000 shares underlying options exercisable within 60 days held by the Reporting Person. The Reporting Person has agreed with HCI Group, Inc. that he will not, without the consent of the board of directors of HCI Group, Inc., exercise such options to the extent that the exercise would cause HCI Group, Inc. to own less than 80.1% of the Issuer's outstanding shares of common stock.


    SCHEDULE 13G

    Item 1. 
    (a)Name of issuer:

    Exzeo Group, Inc.
    (b)Address of issuer's principal executive offices:

    1000 Century Park Drive, Tampa, Florida 33607
    Item 2. 
    (a)Name of person filing:

    Paresh Patel
    (b)Address or principal business office or, if none, residence:

    1000 Century Park Drive Tampa, Florida 33607
    (c)Citizenship:

    United States
    (d)Title of class of securities:

    Common Stock
    (e)CUSIP No.:

    30234F101
    Item 3.If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
    (a)Checkbox not checked   Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
    (b)Checkbox not checked   Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
    (c)Checkbox not checked   Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
    (d)Checkbox not checked   Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
    (e)Checkbox not checked   An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
    (f)Checkbox not checked   An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
    (g)Checkbox not checked   A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
    (h)Checkbox not checked   A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
    (i)Checkbox not checked   A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
    (j)Checkbox not checked   A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J),
           please specify the type of institution:
    (k)Checkbox not checked   Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
     
    Item 4.Ownership
    (a)Amount beneficially owned:

    6,572,013
    (b)Percent of class:

    6.86  %
    (c)Number of shares as to which the person has:
     (i) Sole power to vote or to direct the vote:

    6,572,013

     (ii) Shared power to vote or to direct the vote:

    0

     (iii) Sole power to dispose or to direct the disposition of:

    6,572,013

     (iv) Shared power to dispose or to direct the disposition of:

    0

    Item 5.Ownership of 5 Percent or Less of a Class.
     
    Not Applicable
    Item 6.Ownership of more than 5 Percent on Behalf of Another Person.
     
    Not Applicable
    Item 7.Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
     
    Not Applicable
    Item 8.Identification and Classification of Members of the Group.
     
    Not Applicable
    Item 9.Notice of Dissolution of Group.
     
    Not Applicable

    Item 10.Certifications:
     
    By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect.

        SIGNATURE 
     
    After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

     
    Paresh Patel
     
    Signature:/s/ Paresh Patel
    Name/Title:Paresh Patel
    Date:02/13/2026
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