Our 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?

Thanks to our consistent profitability, conservative investment strategy and sound capitalization, American Integrity Insurance Company has earned a BBB+ insurance financial strength rating from Kroll Bond Rating Agency and an “A” (Exceptional) Financial Stability Rating® from Demotech, Inc., providing our customers and agency partners with confidence that our Company will be there when they need us the most.

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.

Income Statement


Income Statement (Unaudited) December 31, 2024
Net Premiums Earned 144,505,616
Losses Incurred 90,184,524
Loss Expenses Incurred 9,320,552
Other Underwriting Expenses 17,206,126
Total Underwriting Deductions                         116,711,202       
Net Underwriting Gain Or Loss 27,794,414
Net Investment Income & Realized Capital Gains 13,099,046
Other Income (288,043)
Net Income Before Dividends to Policyholders 40,605,417
Dividends to Policyholders -
Net Income After Dividends to Policyholders 40,605,417
Federal and Foreign Income Taxes Incurred 11,517,527
Net Income 29,087,890      
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year 113,359,118
Net Income 29,087,890
Change in Net Unrealized Capital Gains or (Losses)  (4,374)
Change In Deferred Tax 1,823,259
Change in Nonadmitted Assets (786,313)
Change in Provision for Reinsurance  595,711
Change in Surplus Notes (411,765)
Additional Paid In Capital 5,922,601
Change In Surplus 36,227,009
Surplus As Regard Policyholders $149,586,127


Balance Sheet


Balance Sheet (Unaudited) December 31, 2024
Assets: Net Admitted Assets
Bonds: 201,836,096
Cash and Short-Term Investments: 146,316,238
Deferred Installment/Agents' Balance Rec: 48,203,029
Net Deferred Tax Asset 7,301,626
Reinsurance Recoverable 57,011,740
Receivable from Affiliates 25,641,944
Other Assets 4,869,403
Total Assets 491,180,076
Liabilities and Surplus:
Loss and Loss Adjustment Reserve: 67,576,597
Net Unearned Premiums 146,751,424
Ceded Reinsurance Payable 80,267,334 
Payable to Affiliates 18,257,350
Other Liabilities: 28,741,238
Total Liabilities 341,593,943
Surplus:
Capital Paid in and Contributed Surplus: 14,250,000
Surplus Note 3,779,411
Unassigned Surplus: 131,556,721
Total Surplus 149,586,132
Total Liabilities and Surplus 491,180,075


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