Our 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?

Thanks to our consistent profitability, conservative investment strategy and sound capitalization, American Integrity Insurance Company has earned a BBB+ insurance financial strength rating from Kroll Bond Rating Agency and an “A” (Exceptional) Financial Stability Rating® from Demotech, Inc., providing our customers and agency partners with confidence that our Company will be there when they need us the most.

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.

Income Statement


Income Statement (Unaudited) September 30, 2025
Net Premiums Earned 154,524,028
Losses Incurred 69,365,864
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 Regard 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 Regard Policyholders $179,861,084


Balance Sheet


Balance Sheet (Unaudited) September 30, 2025
Assets: Net Admitted Assets
Bonds 278,525,133
Cash and Short-Term Investments 118,701,870
Deferred Installment/Agents' Balance Rec 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


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