Ways to Save

Simple Steps That Add Up to Big Savings

Q: How can I find an agent who works with American Integrity?

<p>Click here to use our <a href='/find-an-agent'>Agent Locator Tool</a>! All we need is your zip code and we&rsquo;ll give you a list of nearby agents to choose from.</p>

Q: What makes American Integrity unique?

We offer coverage designed for the Southeast&rsquo;s unique risks, like hurricanes and flooding, supported by deep local expertise and outstanding service. Our broad product portfolio covers everything from homes to boats, golf carts, and rental properties&mdash;always with integrity at the heart of what we do.

Your face lights up when you get a good deal. We know: we’ve seen it before. Take advantage of these ways to save at American Integrity.

Explore Discounts

Savings Tips

Smart Ways to Lower Your Insurance Costs

From deductible choices to home updates, these practical tips and discounts can help you protect your home while keeping your budget in check.

Deductible Options

While many people feel boxed in by limited deductible choices for homeowners insurance, American Integrity offers several for you to choose from. And if you select a deductible that is $500 higher and assume more risk, you could save an estimated 3% on your annual premium.

Complete a Home Inventory Each Year

Did you sell an expensive piece of jewelry last year, or finally take the time to clean out the garage? Make sure you are not overpaying for personal property you no longer own.

Look Before You Leap into a New Home

Be conscientious of how much your homeowners insurance could cost before you buy a home. Factors such as location, community security, and construction type can all affect the cost of your homeowners insurance. If you are looking to buy a newer home, we offer discounts for homes that have been built within the past few years.

Keep Your Home Up to Date

We offer a discount for plumbing that has been recently checked for soundness and is free of any visible defects.

Make Sure You Have the Right Type of Policy

Rental or vacant homes require a different type of policy than a home that you live in year-round. If you have the wrong type of policy, not only could you be overpaying in premium, but your claim could be denied.

Be Conscientious of Your Insurance Score

Insurance scores take into consideration credit record, loss history, and length of time at your residence. If yours is favorable, you could receive a discount.

Don’t Over-insure

The amount you paid for your home (the real estate value) is different than the insured amount of your home. Homeowners insurance covers your home only, not the land it resides on. Talk to your agent to make sure your insured amount (Coverage A) is accurate.

Improve Your Home Security

Install a central fire system, burglar alarm, or fire sprinkler system. Not only is it safer, but also we offer a discount for these features.

Save Green by Going Green

Elect to receive billing notices electronically to receive our paperless policy discount. Pat yourself on the back for supporting the environment while you're at it!

Insurance Coverage

Frequently Asked Questions

We get it, the details of insurance policies are complex. These answers to some of our most commonly asked questions should help make it a little easier.

See All FAQs

American Integrity offers a wide range of insurance policies to meet your individual needs. From maximum coverage to protection against essential risks, full-time residences to vacant properties, you can customize your insurance policy to best suit your home. Click here to learn about all the various coverage American Integrity has to offer.

Home insurance costs are mainly influenced by your home's location, age, and construction type, along with your claims history and the deductible you choose.

We offer coverage designed for the Southeast’s unique risks, like hurricanes and flooding, supported by deep local expertise and outstanding service. Our broad product portfolio covers everything from homes to boats, golf carts, and rental properties—always with integrity at the heart of what we do.

Check out all our available Discounts and see if you qualify. You can also lower your premium by choosing a higher deductible and ensuring your coverage matches your home’s value. Talk to your agent to make sure that your policy matches the needs of your home – and your wallet.

Click here to use our Agent Locator Tool! All we need is your zip code and we’ll give you a list of nearby agents to choose from.

Latest

Learn more about homeowners and residential insurance

Looking for more insights? Click below to browse some of our latest resources and see our full library of blog posts.

Florida neighborhood with light street flooding after heavy rain, representing flood insurance protection and preparedness.

Natural Disasters

Don't Get Swept Away: Flood Insurance Options for Florida Homeowners

Florida homeowners face high flood risks, and standard insurance doesn’t cover flood damage. Learn how American Integrity’s private flood endorsement offers affordable, flexible protection.

Demystifying Your Home Insurance: A Breakdown of the Declarations Page

Learn how to read your homeowners insurance declarations page. Understand coverage limits, deductibles, and liability protection with help from American Integrity Insurance.