Thermoelectrics is known as one of the emerging renewable power generation technologies. Half-Heusler (HH) based semiconducting inter-metallic compounds show high potential as thermoelectric compositions due to the abundance of their elements in nature, their high mechanical and chemical stability, and their favorable electronic properties. Their main limitation lies in their high lattice thermal conductivity, κl. In the current research, the potential of κl reduction due to generation of composites based on phase separation of off-stoichiometric Ti0.3Zr0.35Hf0.35Ni1+δSn (δ=0.003, 0.005, 0.01) alloys into half- and full-Heusler (FH) composites was investigated. The excess Ni addition created a dramatic 52% reduction of the lattice thermal conductivity in the sample with δ=0.005, compared to the stoichiometric HH. This reduction is apparently attributed to the submicron precipitates of FH which scatter phonons. This κl reduction led to ZT of 0.97, one of the highest ZT values published so far for HH.