Frequently Asked Questions

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.

Yes, you can switch to American Integrity at any time! Just make sure to secure your new policy before canceling your old one to avoid a lapse in coverage.

If you have a mortgage, your lender will require you to have home insurance to protect their investment. Many lenders set up an escrow account, where part of your monthly mortgage payment goes toward your home insurance premium. The lender then pays the insurance company directly from this account each year. 

A standard homeowners insurance policy typically includes coverage for the structure of your home, personal belongings, and liability in case of injury on your property.

Give our friendly customer service team a call at 866-968-8390 (Option 4) or reach out to your insurance agent directly. You can also text 'SUPPORT' to 813-706-3348 to have a conversation with us via Text/SMS (Msg & data rates may apply. Reply "stop" to opt out at any time). To view a copy of your policy, including a breakdown of your policy and deductibles, visit our Customer Portal. 

Make payments online using our Customer Portal, by calling us at 866-968-8390 (option 3), or by mailing a check to our payment address:

American Integrity Insurance
P.O. 748042
Atlanta, GA 30374-8042

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.  

Overnight payments should be mailed to:

American Integrity Insurance
Lockbox 748042
1669 Phoenix Parkway, Suite 210
Atlanta, GA 30349

Contact your agent if you have any concerns about your coverage. It’s crucial to keep them informed about any changes to your property, including renovations, new occupants, additions like a pool, or enhancing safety features. These changes could affect your coverage and the rate you pay. 

Yes, we offer bundle options for additional coverage, including our Silver, Gold, and Diamond Packages. You can also bundle your home, boat, and/or golf cart coverage with American Integrity to earn our Multi-Policy Discount! Please note these options are currently only available in Florida. Talk to your agent to learn more.

Yes, you can 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.

Contact your agent to make modifications to your existing American Integrity coverage. You can also call our customer service team at 1-866-968-8390 or text 'SUPPORT' to 813-706-3348 to have a conversation with us via Text/SMS (Msg & data rates may apply. Reply "stop" to opt out at any time).

Standard home insurance doesn’t cover floods, sinkholes, wear and tear, or termite damage. Consider talking to your agent about additional coverage for these risks.

Discounts vary by state, but we have lots of savings opportunities to help you earn money off your premium! Click here to see a list of available discounts and check with your agent to see which apply to your policy.

Diamond Agents are the best of the best agents that work with American Integrity. After demonstrating a proven track record and commitment to providing a high level of service, we reward Diamond Agents with extra perks like expanded capacity. Choosing Diamond Agent may help you secure coverage that regular agents don’t have access to.

If no American Integrity agents are located near you and your home is in Florida, Georgia, or South Carolina, please contact us for further assistance.

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.

New Home Construction Insurance covers all essential areas as a standard policy, including coverage for the structure of your home, personal belongings, and liability in case of injury on your property. You can also add extra protection like Cyber or Flood coverage.

You can save with discounts for active and retired military personnel, seniors and retirees, having a high insurance score, protective devices, water loss prevention features, and more. Plus, you can save by bunding your boat or golf cart insurance with American Integrity. 

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.

We offer coverage for personal property, liability, ordinance or law, home computer, theft, and more. You can also add on optional coverage like Flood and Cyber. 

Your homeowners policy is eligible for discounts for features like residing in a gated community, water loss prevention features, burglar alarms, fire alarms, and automatic sprinklers. Being a senior or retiree, or opting for paperless billing can also earn additional savings. 

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.

High Valued Home Insurance protects your home and personal property, including jewelry, art, and other high-value items, with extended coverage limits. You’ll also receive liability coverage and access to exclusive coverage options.

You can save with discounts if your home was built by accredited builders, located in a gated community, and includes security systems, hurricane protection features, and more. Contact your agent to tailor your policy to your needs.

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.

You can save on Condo Insurance with discounts for active and retired military, windstorm protection, gated communities, if you’re a senior/retiree, and more. Talk to your agent to make sure you’re receiving all the savings you qualify for!

Find an agent who works with American Integrity to see if your condo qualifies for our coverage.

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.

Contact an American Integrity agent to see if your home or condo qualifies for ValueGuard coverage.

ValueGuard is more affordable than traditional home insurance, especially when paired with additional savings opportunities. Talk to your agent to see which discounts you qualify for!

ValueGuard policyholders can earn a discount if they have fire alarm, automatic sprinklers, and/or windstorm loss mitigation features in their home.

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.

You may qualify for discounts if your unit has specific security features or if you are a senior or retiree.

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.

Flood Insurance covers your home and belongings against water damage (such as storm surge) from hurricanes, tropical storms, and heavy rains, which aren’t included in standard policies.

The National Flood Insurance Program (NFIP) is a federal program managed by FEMA that provides flood insurance to property owners, renters, and businesses in specific communities. Coverage usually begins 30 days after purchase, and rate are determined by FEMA’s guidelines.

Our Flood Insurance offers lower rates and more robust coverage compared to the NFIP. There’s no waiting period and only one deductible per occurrence!

American Integrity’s Flood Insurance is available for homes, condos, rental properties, vacant properties, and seasonal residences.

There’s no waiting period! Your Flood coverage goes into effect immediately when you purchase through American Integrity.

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.

Our Manufactured Home Insurance covers your residence, personal property, and liability, with options to add coverage for attached structures, home systems protection, and identity recovery. 

Homes located in adult parks receive additional discounts if the home was built after 2000 or located in gated community. Ask your agent about our other available discounts.

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.

Vacant Home Insurance provides essential coverage for vacant homes, including risks like vandalism, water leaks, and fires that may go unnoticed when a property is unoccupied. 

Renovations are allowable as long as they don’t affect load-bearing walls or change the home’s blueprint. 

You can save with discounts for windstorm loss mitigation features, automatic sprinkler systems, hip roofs, paperless billing, and more. Ask your agent about our other available discounts.

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.

American Integrity offers two types of Rental or Seasonal Dwelling coverage. DP-3 policies offer broader coverage for various risks, while DP-1 policies provide basic coverage for specific perils like fire and windstorms.

You may qualify for discounts based on your insurance score, roof shape, windstorm loss mitigation features, security systems, and more. Seniors and retirees, as well as active and retired military personnel also receive a discount. Talk to an American Integrity agent to get a quote tailored to your needs.

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.

Short-Term Rental Insurance is an endorsement for DP-3 covered homes and HO-6 covered condos. This coverage includes protection for damage to your home or personal belongings caused by a guest during their stay and liability coverage.

You may be eligible for discounts based on your insurance score, or features in your home such as being located in a gated community, having water loss prevention, burglar or fire alarms, and more. Talk to your agent to make sure you’re taking advantage of all savings opportunities available. 

Yes, you can purchase our 3-Day/2-Night Minimum Short-Term Rental endorsement. These rentals must be managed by a property management company such as Airbnb or VRBO.

We also offer Short-Term Rental coverage for homes and condos being rented out for a minimum of 30 days, but no more than 6 times a year.

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.

Boats can be written with hull coverage, liability coverage, or both. You can also add with optional coverage like Integrity Power mechanical breakdown, Integrity Tow commercial towing, and Bahamas cruising coverage.

Save with discounts for your insurance score, completing safety courses, having a primary homeowners policy with us, or holding a U.S. Coast Guard Captain’s license. 

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.

Golf Cart Insurance covers collision, liability for bodily injury and property damage, medical payments, and offers options for equipment coverage.

Our golf cart coverage is very affordable, but you can save with discounts for completing a safety course, having prior golf cart insurance, or insuring multiple golf carts with American Integrity. Plus, after the first year, you’ll receive our renewal discount!

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.

Check your policy documents (you can view these online by logging into our Customer Portal for specific coverage details). You can also contact your agent to clarify what types of damage are covered under your policy. Typically, your policy covers damage from perils like fire, windstorms, and theft, but may exclude others like flooding unless you have additional coverage.

You can check the status of your claim by logging into our Customer Portal or by contacting your assigned adjuster directly.

Our goal after a claim is submitted is to contact the insured within the same business day. The overall timeline depends on the complexity of the claim and the volume of claims filed.

Following a major storm, American Integrity responds to claims based on severity. Once customers who have been displaced from their homes receive assistance, adjusters will contact policyholders according to the level of damage their home has sustained.

As a Florida homeowner, you have rights outlined in the Homeowner Claims Bill of Rights, including timely communication from your insurer, the right to a detailed estimate, and a prompt resolution of claims. Click here to view the full Homeowner Claims Bill of Rights.

You’ll need your policy number, a detailed description of the damage, photos or videos of the damage, and any receipts or estimates for repairs. Keeping a home inventory can also help speed up the process.

If you are an American Integrity policyholder, contact us immediately if your home is uninhabitable. We can help arrange temporary housing and cover additional living expenses if your policy includes Additional Living Expenses coverage.

Reach out to your adjuster if you need assistance selecting a contractor. American Integrity has partnered with a network of contractors that can assist with all types of repairs, including temporary accommodations, tarping, water mitigation, tree removal, and more. 

Unfortunately, contractors who lack integrity often try to take advantage of homeowners by inflating repair costs, promising quick fixes, and offering to relieve you of the “burden” or “hassle” of dealing with your insurance company. Before agreeing to any repairs, contact American Integrity to report the damage. We'll send a licensed adjuster to assess whether the repair is covered under your policy.