Education

The assumption date is the day American Integrity takes responsibility for managing any losses affecting your insured property. Until you receive a policy renewal from American Integrity, you should contact Citizens or your agent for policy changes and payments.

Until your Citizens policy expires, you’ll continue to pay the same way you’ve been paying. Before your renewal date, you will receive instructions for renewing your American Integrity policy. If your mortgage company pays your insurance premium, we’ll send them an invoice.

It depends. If your Citizens policy has not expired yet, Citizens will still handle your claim. You can contact them at (866) 411-2742 to file a claim. If your Citizens policy has expired and you’ve already received your new American Integrity Policy, you can file a claim by calling our 24/7 claims line at 1 (866) 277-9871.

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.

Yes! Your agent will be able to service your policy with American Integrity.

We’re proud to have nearly 80% customer satisfaction with the speed and resolution of our claims! Our dedicated team works tirelessly to process claims quickly and help our customers get on the road to recovery as soon as possible. Since 2007, we’ve been here to support our customers through every storm.

With our robust reinsurance program, and our Policyholder Surplus of $100M+, our company is safe, solvent, and secure. We consistently earn an “A” (Exceptional) Financial Stability Rating® from Demotech, Inc., helping to reassure customers of American Integrity’s long-term stability and commitment to our customers.

Liability coverage protects you if someone is injured on your property or if you accidentally cause damage to someone else's property, covering legal fees and settlements.

Yes, your home insurance typically covers your belongings even when you’re traveling, so you’re protected if your luggage is lost or stolen.

If your child is a full-time student living on campus, their belongings are usually covered under your home insurance, though coverage may be limited. If your child rents off-campus, some landlords may require a separate renters insurance policy, which can provide broader protection for their belongings and liability.

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.

Loss of Use or Additional Living Expenses (ALE) provides reimbursement for the extra costs you incur when your home is deemed unlivable and is being restored. This coverage includes reasonable payments for lodging, food, clothing, and other associated expenses. It is disbursed immediately once approved. Talk to your agent to see if your policy includes this coverage and if so, what the limits are.

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.

Home improvements are usually covered, but you should update your policy to reflect any significant renovations that increase your home's value. Additionally, if the home is uninhabited and all of the furniture is moved out during the renovation, you may qualify for Vacant Insurance. Talk to your agent about this coverage. 

Ordinance or law coverage helps pay for the extra costs of bringing your home up to current building codes during repairs after a covered loss.

Water backup coverage protects against damage caused by backed-up drains or sump pumps, which standard policies don’t typically cover.

A typical American Integrity homeowners policy includes $10,000 in coverage for mold, fungi, wet or dry rot, or bacteria. Additional coverage can be purchased as an endorsement. Talk to your agent to learn more.

A peril is a risk that can cause damage, like a storm. Named perils policies only cover the specific risks listed in the policy, like fire or theft, while open perils policies cover everything except what’s specifically excluded. Thus, open perils offer broader protection than a named perils policy. Check your declarations page for a breakdown of all the coverage included in your policy.

You can insure high-value items by adding a scheduled personal property endorsement to your home insurance, which provides extra coverage beyond the standard limits.