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 June 30, 2026. All amounts in USD; parentheses indicate negative amounts.

Income Statement (Unaudited)	June 30, 2026
Net Premiums Earned	157,856,701
Losses Incurred	56,877,440
Loss Expenses Incurred	9,410,928
Other Underwriting Expenses	81,236,304
Total Underwriting Deductions	147,524,672
Net Underwriting Gain or Loss	10,332,029
Net Investment Income & Realized Capital Gains	9,076,836
Other Income	217,550
Net Income Before Dividends to Policyholders	19,626,415
Dividends to Policyholders	-
Net Income After Dividends to Policyholders	19,626,415
Federal and Foreign Income Taxes Incurred	6,122,280
Net Income	13,504,135
Capital and Surplus Account
Surplus as Regards Policyholders, December 31 (prior year)	193,080,229
Net Income	13,504,135
Change in Net Unrealized Capital Gains or (Losses)	15,489
Change in Deferred Tax	1,743,139
Change in Nonadmitted Assets	682,611
Change in Provision for Reinsurance	67,600
Change in Surplus Notes	(205,883)
Additional Paid in Capital	-
Surplus as Regards Policyholders	$208,887,320

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 June 30, 2026. All amounts in USD.

Balance Sheet (Unaudited)	June 30, 2026
Non-Admitted Assets
Bonds	285,549,581
Cash and Short-Term Investments	273,281,340
Deferred Installment / Agents’ Balance Receivable	57,963,166
Net Deferred Tax Asset	10,883,144
Reinsurance Recoverable	105,257,686
Receivable from Affiliates	2,785,342
Other Assets	11,265,960
Total Assets	746,986,219
Liabilities and Surplus
Loss and Loss Adjustment Reserve	100,443,936
Net Unearned Premiums	7,139,500
Ceded Reinsurance Payable	382,525,113
Payable to Affiliates	-
Other Liabilities	47,990,350
Total Liabilities	538,098,899
Surplus
Capital Paid In and Contributed Surplus	14,250,000
Surplus Note	3,161,764
Unassigned Surplus	191,475,556
Total Liabilities and Surplus	746,986,219