About Us

Financial Stability

Financial stability is more important than ever when choosing a property insurance provider. In a region prone to hurricanes and other natural disasters, you need to know your insurance company will be there when it matters most. As many well-known insurers exit Florida—often due to limited resources to cover claims—you might ask: Which companies have the strength to stay?

Reinsurance Program

Committed to protecting your property

At American Integrity, we’ve built a strong foundation through a carefully structured reinsurance program, earning us an “A” (Exceptional) Financial Stability Rating® from Demotech, Inc. and a BBB+ (Stable) Insurance Financial Strength Rating (ISFR) from Kroll Bond Rating Agency®. These ratings reflect our long-term commitment to policyholders.

We prioritize stability over rapid growth, strategically managing our expansion to safeguard the customers we already serve—because we’re homeowners too. You can count on us to be here when you need us most.

Financial stability at a glance

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Publicly Traded as of May 2025

American Integrity became a publicly traded company in 2025, proudly listed on the New York Stock Exchange under the ticker NYSE:AII.

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Nearly $1 Billion in Premium

American Integrity is approaching $1 billion in written premium and surpassed 400,000 policies in-force in 2025.

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Industry Ratings from Demotech & Kroll

American Integrity has earned an “A” (Exceptional) Rating from Demotech and a BBB+ Rating from Kroll Bond Rating Agency, two premier rating agencies.

Financial Stability

Income Statement

Income Statement (Unaudited) for December 31, 2025. All amounts in USD; parentheses indicate negative amounts.

Income Statement (Unaudited)	December 31, 2025
Net Premiums Earned	197,160,794
Losses Incurred	96,003,566
Loss Expenses Incurred	3,692,872
Other Underwriting Expenses	59,787,973
Total Underwriting Deductions	159,484,411
Net Underwriting Gain or Loss	37,676,383
Net Investment Income & Realized Capital Gains	18,271,238
Other Income	(99,366)
Net Income Before Dividends to Policyholders	55,848,255
Dividends to Policyholders	-
Net Income After Dividends to Policyholders	55,848,255
Federal and Foreign Income Taxes Incurred	13,820,522
Net Income	42,027,733
Capital and Surplus Account
Surplus as Regards Policyholders, December 31 (prior year)	149,586,132
Net Income	42,027,733
Change in Net Unrealized Capital Gains or (Losses)	5,750
Change in Deferred Tax	1,838,379
Change in Nonadmitted Assets	24,310
Change in Provision for Reinsurance	9,689
Change in Surplus Notes	(411,764)
Additional Paid in Capital	-
Change in Surplus	-
Surplus as Regards Policyholders	$193,080,229

Dividends, taxes, and capital & surplus account for the same period. All amounts in USD; parentheses indicate negative amounts.

Balance Sheet

Balance Sheet (Unaudited) as of December 31, 2025. All amounts in USD.

Balance Sheet (Unaudited)	December 31, 2025
Assets
Bonds	278,689,441
Cash and Short-Term Investments	168,364,885
Deferred Installment / Agents’ Balance Receivable	42,208,570
Net Deferred Tax Asset	9,140,005
Reinsurance Recoverable	81,222,083
Receivable from Affiliates	5,398,059
Other Assets	19,227,145
Total Assets	604,250,188
Liabilities and Surplus
Loss and Loss Adjustment Reserve	80,876,015
Net Unearned Premiums	189,276,078
Ceded Reinsurance Payable	109,376,000
Payable to Affiliates	-
Other Liabilities	31,641,866
Total Liabilities	411,169,959
Surplus
Capital Paid In and Contributed Surplus	14,250,000
Surplus Note	3,367,647
Unassigned Surplus	175,462,582
Total Surplus	193,080,229
Total Liabilities and Surplus	604,250,188