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Your Guide to Coverage
At American Integrity, we understand that unexpected events can feel overwhelming. That’s why we offer educational resources and guidance to help you understand your coverage, prepare for potential risks, and feel confident about what to do if a claim ever arises.
What is Property and Casualty Insurance?
Property and Casualty (P&C) Insurance helps protect your home and the things that matter most—your personal belongings, valuable assets, and the place you call home. Whether it’s damage from a fire, theft, or a natural disaster, P&C Insurance is designed to cover the unexpected. Plus, it includes liability coverage, so if someone gets hurt on your property or you accidentally damage someone else’s, you’re covered. Simply put, P&C insurance gives you peace of mind, ensuring that when life throws surprises your way, you’re prepared.
Common Types of Insurance Coverage
Insurance isn’t one-size-fits-all. Here’s a quick breakdown of the most common types of property and casualty coverage we offer.
Home Insurance
This policy provides coverage for your home and personal belongings against damages caused by fire, storms, theft, and other perils. It also includes liability protection in case someone is injured on your property.
Flood Insurance
Flooding isn’t covered by standard home insurance policies, so adding a separate flood policy is crucial, especially for homeowners in high-risk areas like Florida.
Renters Insurance
If you rent, this policy covers your personal belongings and provides liability coverage if someone is injured while visiting your rented home.
Liability Insurance
This policy offers protection if you're held responsible for injuries or damage to others’ property. It covers legal fees and any settlements up to your policy’s limit.
Why Do I Need Insurance?
Insurance is more than just a mortgage company requirement—it’s a safeguard for your financial future. Accidents, natural disasters, and unexpected life events can happen at any time. Without the right coverage, you could face costly repairs, medical bills, or legal fees. Having the proper insurance means you’re prepared for the unexpected and can protect yourself, your loved ones, and your assets.
Tips for Choosing the Right Coverage
Finding the right insurance coverage doesn’t have to be overwhelming. Whether you're insuring your first home or reviewing your current policy, here are some helpful tips to make sure you’re getting the protection you need.
Consider the unique risks associated with your location and home. For instance, if you live near the coast, you’ll likely want to add flood and windstorm coverage to your policy since standard home insurance doesn’t cover these risks. Also, if your home is located in a high-risk area for hurricanes, specific endorsements or policies may be necessary.
Your insurance should cover the value of your home—not the land it’s on. Avoid paying extra by making sure your coverage is tailored to the actual replacement cost of your home and belongings.
Bundling multiple policies, such as homeowners, flood, and watercraft insurance, can help you save on premiums. American Integrity offers bundle options at different levels, each providing varying amounts of coverage for your home and personal property.
There are several ways to lower your premiums, including installing safety features like burglar alarms, windstorm loss mitigation features, and smoke detectors. Additionally, discounts are available for senior citizens, current and retired military, and homes located in gated communities. Learn about all our available discounts in Florida, Georgia, North Carolina, and South Carolina.
As your home or lifestyle changes, so should your coverage. Keep your agent updated on major changes, such as renovating your home, renting it out, or putting it on the market to ensure you’re only paying for the coverage you need. Updating your policy after renovations, installing safety features, or making other improvements can help ensure you’re fully protected and may even reduce your premium.
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
Your premium is based on factors like the value of your home or personal property, your location, and the types of coverage you select.
The declarations page on your policy will outline specific coverages, including what’s protected and what’s not. We recommend reviewing your policy with an agent to fully understand your protection.
You can file a claim with American Integrity by calling our 24/7 claims line at 1-866-277-9871 or filing online through our Customer Portal. If you have tropical storm or hurricane-related damage, please call 844-MYAIIC1 (844-692-4421).
Yes! As your needs change, you can adjust your coverage to make sure you’re always fully protected. You can also add additional insureds, like a co-owner or spouse, who have a financial interest in your property. Talk to your agent to update your policy.
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.
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.
Learn more about homeowners and residential insurance
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Pull back the curtain on homeowners insurance
Browse our video gallery for more information on available insurance coverage types.
