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 September 30, 2025. All amounts in USD; parentheses indicate negative amounts.

Income Statement (Unaudited)	September 30, 2025
Net Premiums Earned	154,524,028
Losses Incurred	69,356,864
Loss Expenses Incurred	996,345
Other Underwriting Expenses	55,327,502
Total Underwriting Deductions	125,680,711
Net Underwriting Gain or Loss	28,843,317
Net Investment Income & Realized Capital Gains	13,801,646
Other Income	(133,263)
Net Income Before Dividends to Policyholders	42,511,700
Dividends to Policyholders	-
Net Income After Dividends to Policyholders	42,511,700
Federal and Foreign Income Taxes Incurred	9,490,803
Net Income	33,020,897
Capital and Surplus Account
Surplus as Regards Policyholders, December 31 (prior year)	149,586,127
Net Income	33,020,897
Change in Net Unrealized Capital Gains or (Losses)	5,440
Change in Deferred Tax	1,336,382
Change in Nonadmitted Assets	(3,856,232)
Change in Provision for Reinsurance	77,293
Change in Surplus Notes	(308,823)
Additional Paid in Capital	-
Change in Surplus	-
Surplus as Regards Policyholders	$179,861,084

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 September 30, 2025. All amounts in USD.

Balance Sheet (Unaudited)	September 30, 2025
Assets
Bonds	278,525,133
Cash and Short-Term Investments	118,701,870
Deferred Installment / Agents’ Balance Receivable	48,645,577
Net Deferred Tax Asset	8,638,008
Reinsurance Recoverable	84,742,206
Receivable from Affiliates	-
Other Assets	17,312,629
Total Assets	556,565,423
Liabilities and Surplus
Loss and Loss Adjustment Reserve	76,857,967
Net Unearned Premiums	32,739,240
Ceded Reinsurance Payable	219,933,542
Payable to Affiliates	4,281,652
Other Liabilities	42,891,938
Total Liabilities	376,704,339
Surplus
Capital Paid In and Contributed Surplus	14,250,000
Surplus Note	3,470,588
Unassigned Surplus	162,140,496
Total Surplus	179,861,084
Total Liabilities and Surplus	556,565,423