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Sunshine State: Insured
Comprehensive insurance coverage for new construction, high-valued homes, condos, older homes, manufactured homes, renters, flood, cyber, golf carts, watercraft, and more in the state of Florida.
Comprehensive insurance coverage for Florida homeowners
Your home is your safe haven, where memories are made, and at American Integrity, we’re here to protect it. Whether it’s your primary home, a condo, or even a vacation property, our Florida residential insurance options cover what matters most. Let us take the worry off your plate so you can enjoy the things that really matter. Ready to get started? We’ve got you covered.
Home Insurance
Protect your home with robust coverage tailored to meet the unique challenges of Florida living. From hurricanes to unexpected accidents, rest assured your home is safeguarded against life’s uncertainties. From new construction and high-valued homes - to homes with a few more years on them, we’ve got a policy that’s perfect for your needs.
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Designed to protect you and your family, our Florida home insurance policies offer comprehensive coverage for owner-occupied, single-family homes. This policy also has a wide variety of discount offerings, including a military discount for active and retired members.
Florida is #2 in the nation for new home builds – and with great rates for newer homes, a variety of discounts, and other optional coverages and bundle options, it is no surprise that American Integrity is the #1 company to insure them. Whether you buy or rent a newly-constructed home, contact an American Integrity agent to get a quote.
American Integrity offers specialized homeowners coverage for Florida homes six years and older, designed to protect properties as they age and their insurance needs evolve. We recognize the nuances that come with older homes by providing flexible coverage options, valuable discounts for upgrades and smart-home devices, and optional endorsements such as private flood coverage.
Our High Valued Home Policy is made for homes valued above $750,000. Your policy comes with some of the best coverage limits in the business, and unlike other carriers, we do not require a minimum premium. For even greater protection on your unique home, you can also enhance your coverage with our Diamond Endorsement.
Whether your condo is your primary or secondary home, we’ve got you covered. We are one of very few Florida carriers that allows for virtually every occupancy type on our Condo Policy: owner-occupied, vacant, rental or seasonal. Talk to your American Integrity Insurance Agent today to explore your options.
ValueGuard Property Insurance™ is designed to offer Floridians essential protection for their homes at a more affordable price point. Recognizing the unique needs of Florida homeowners, ValueGuard provides basic coverage that allows homeowners and condo owners an opportunity to continue with much needed insurance coverage.
Our manufactured home insurance policy comes with sinkhole coverage and covers the physical residence, personal property, personal liability, and more depending on your coverage options and community type.
Affordable and convenient, our Renters Policy is here to protect your belongings against unfortunate events like theft or fire. Plus, if you move to a new, qualifying residence, you may continue on the same policy. Get a policy instantly online today!
In Florida, flooding is not a question of if, but when. Flooding from storm surges, heavy rains, and hurricanes can cause serious damage. Our flood insurance not only helps you protect your home, it offers broader coverage and lower rates than many federal options, making it an easy choice to protect what matters most.
Seasonal / Secondary
Keep your ‘home away from home’ or secondary properties secure whether you’re there or miles away. With flexible coverage options, we help you protect your investments year-round.
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Whether you rent out your investment property or have a secondary home, you need the right policy to ensure that your residence is properly protected. Our policies offer essential coverage for property damage, vandalism & theft, and liability protection for your unique needs.
Our Vacant Policy is for anyone who owns a home that has no tenants – like real estate investors and flippers, or someone who just inherited a property and is not sure how to protect it. This policy can be short-term or long-term, and can even be cancelled after just three months with no penalty.
Renting out your home for short stays through a platform like Airbnb® or VRBO®? Our short-term rental insurance protects both you and your tenants from potential risks during their stay.
Golf Cart
Florida has become a haven for golf cart communities, and it’s easy to see why: golf carts are fun, zippy, and the perfect way to get around the course or your neighborhood. But just like your car, they’re also vulnerable to accidents, theft, and liability. That’s why we offer Golf Cart Insurance designed just “fore” you! Our coverage provides complete protection wherever your cart takes you. With the right policy, you can enjoy the ride knowing your fair-weather fun is fully protected.
Learn MoreWatercraft
Boating season is the best season, and our Watercraft Insurance makes it even better. Whether you’re cruising along Florida’s coastline, fishing in the bay, or riding the waves on your Jet Ski®, you can enjoy every adventure with peace of mind.
Our policies cover a wide range of watercraft – including boats, Jet Skis®, and more –protecting you from accidents, theft, and liability on and off the water. With coverage tailored to fit your lifestyle, you’ll be free to focus on making memories on Florida’s waterways, knowing we’ve got you covered.
Learn MoreLearn more about homeowners and residential insurance
Browse educational articles about insurance coverage for your home and other types of property.
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Frequently Asked Questions
We get it, the details of insurance policies are complex. These answers to some of our most commonly asked questions should help make it a little easier.
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American Integrity offers a wide range of insurance policies to meet your individual needs. From maximum coverage to protection against essential risks, full-time residences to vacant properties, you can customize your insurance policy to best suit your home. Click here to learn about all the various coverage American Integrity has to offer.
Home insurance costs are mainly influenced by your home's location, age, and construction type, along with your claims history and the deductible you choose.
We offer coverage designed for the Southeast’s unique risks, like hurricanes and flooding, supported by deep local expertise and outstanding service. Our broad product portfolio covers everything from homes to boats, golf carts, and rental properties—always with integrity at the heart of what we do.
Yes, you can switch to American Integrity at any time! Just make sure to secure your new policy before canceling your old one to avoid a lapse in coverage.
If you have a mortgage, your lender will require you to have home insurance to protect their investment. Many lenders set up an escrow account, where part of your monthly mortgage payment goes toward your home insurance premium. The lender then pays the insurance company directly from this account each year.
A standard homeowners insurance policy typically includes coverage for the structure of your home, personal belongings, and liability in case of injury on your property.
Give our friendly customer service team a call at 866-968-8390 (Option 4) or reach out to your insurance agent directly. You can also text 'SUPPORT' to 813-706-3348 to have a conversation with us via Text/SMS (Msg & data rates may apply. Reply "stop" to opt out at any time). To view a copy of your policy, including a breakdown of your policy and deductibles, visit our Customer Portal.
Make payments online using our Customer Portal, by calling us at 866-968-8390 (option 3), or by mailing a check to our payment address:
American Integrity Insurance
P.O. 748042
Atlanta, GA 30374-8042
Check out all our available Discounts and see if you qualify. You can also lower your premium by choosing a higher deductible and ensuring your coverage matches your home’s value. Talk to your agent to make sure that your policy matches the needs of your home – and your wallet.
Overnight payments should be mailed to:
American Integrity Insurance
Lockbox 748042
1669 Phoenix Parkway, Suite 210
Atlanta, GA 30349
Contact your agent if you have any concerns about your coverage. It’s crucial to keep them informed about any changes to your property, including renovations, new occupants, additions like a pool, or enhancing safety features. These changes could affect your coverage and the rate you pay.
Yes, we offer bundle options for additional coverage, including our Silver, Gold, and Diamond Packages. You can also bundle your home, boat, and/or golf cart coverage with American Integrity to earn our Multi-Policy Discount! Please note these options are currently only available in Florida. Talk to your agent to learn more.
Yes, you can add additional insureds, like a co-owner or spouse, who have a financial interest in your property. Talk to your agent to update your policy.
Contact your agent to make modifications to your existing American Integrity coverage. You can also call our customer service team at 1-866-968-8390 or text 'SUPPORT' to 813-706-3348 to have a conversation with us via Text/SMS (Msg & data rates may apply. Reply "stop" to opt out at any time).
Standard home insurance doesn’t cover floods, sinkholes, wear and tear, or termite damage. Consider talking to your agent about additional coverage for these risks.
Discounts vary by state, but we have lots of savings opportunities to help you earn money off your premium! Click here to see a list of available discounts and check with your agent to see which apply to your policy.
Big Discounts
Save big and maximize coverage with discounts for new construction, secured communities, protective devices, multi-program bundling, and more!
Discounts