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 March 31, 2026. All amounts in USD; parentheses indicate negative amounts.

Income Statement (Unaudited)	March 31, 2026
Net Premiums Earned	67,590,189
Losses Incurred	28,765,912
Loss Expenses Incurred	4,355,513
Other Underwriting Expenses	30,107,480
Total Underwriting Deductions	63,228,905
Net Underwriting Gain or Loss	4,361,284
Net Investment Income & Realized Capital Gains	4,218,336
Other Income	(1,915)
Net Income Before Dividends to Policyholders	8,577,705
Dividends to Policyholders	-
Net Income After Dividends to Policyholders	8,577,705
Federal and Foreign Income Taxes Incurred	2,620,694
Net Income	5,957,011
Capital and Surplus Account
Surplus as Regards Policyholders, December 31 (prior year)	193,080,229
Net Income	5,957,011
Change in Net Unrealized Capital Gains or (Losses)	(306)
Change in Deferred Tax	560,833
Change in Nonadmitted Assets	1,101,782
Change in Provision for Reinsurance	67,600
Change in Surplus Notes	(102,941)
Additional Paid in Capital	-
Change in Surplus	-
Surplus as Regards Policyholders	$200,664,208

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 March 31, 2026. All amounts in USD.

Balance Sheet (Unaudited)	March 31, 2026
Assets
Bonds	283,488,330
Cash and Short-Term Investments	155,711,080
Deferred Installment / Agents’ Balance Receivable	46,844,062
Net Deferred Tax Asset	9,700,838
Reinsurance Recoverable	144,307,558
Receivable from Affiliates	1,765,472
Other Assets	11,649,403
Total Assets	653,466,743
Liabilities and Surplus
Loss and Loss Adjustment Reserve	90,793,492
Net Unearned Premiums	306,025,868
Ceded Reinsurance Payable	5,349,923
Payable to Affiliates	-
Other Liabilities	50,633,258
Total Liabilities	452,802,541
Surplus
Capital Paid In and Contributed Surplus	14,250,000
Surplus Note	3,264,706
Unassigned Surplus	183,149,496
Total Surplus	200,664,202
Total Liabilities and Surplus	653,466,743