Brook Armstrong Baker - 18 Dec 2025 Form 4 Insider Report for Exzeo Group, Inc. (XZO)

Role: General Counsel
Signature: /s/ Brook Armstrong Baker
Issuer symbol: XZO
Transactions as of: 18 Dec 2025
Net transactions value: +$119,908
Form type: 4
Filing time: 22 Dec 2025, 16:05:03 UTC
Previous filing: 09 Dec 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Baker Brook Armstrong	General Counsel	1000 CENTURY PARK DRIVE, TAMPA	/s/ Brook Armstrong Baker	22 Dec 2025	0002094018

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	XZO	Common Stock	Tax liability	$76,284	-3,896	-1.6%	$19.58	238,006	18 Dec 2025	Direct	F1
transaction	XZO	Common Stock	Purchase	$196,192	+10,020	+4.2%	$19.58	248,026	18 Dec 2025	Direct
holding	XZO	Common Stock						1,000	18 Dec 2025	By Spouse

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
holding	XZO	Stock Option (Right to Buy)						100,000	18 Dec 2025	Common Stock	100,000	$23.00	Direct	F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	The disposal reported on this Form 4 represents shares sold by the Reporting Person to cover tax witholding obligations in connection with the vesting and settlement of RSUs.
F2	On October 1, 2021, the reporting person was granted an option to purchase 5,000,000 shares of common stock. The option vested with respect to one fourth of the shares on October 1, 2022 and with respect to one sixteenth of the shares on each January 1, April 1, July 1 and October 1 thereafter.