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) June 30, 2025
Net Premiums Earned 117,295,293
Losses Incurred 45,094,555 
Loss Expenses Incurred (111,262)
Other Underwriting Expenses 39,991,291
Total Underwriting Deductions                         84,974,584       
Net Underwriting Gain Or Loss 32,320,709 
Net Investment Income & Realized Capital Gains 8,357,277 
Other Income -
Net Income Before Dividends to Policyholders 40,677,986
Dividends to Policyholders -
Net Income After Dividends to Policyholders 40,677,986
Federal and Foreign Income Taxes Incurred 8,912,450
Net Income 31,765,536 
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year 149,586,127
Net Income 31,765,536
Change in Net Unrealized Capital Gains or (Losses)  4,555
Change In Deferred Tax 1,802,123
Change in Nonadmitted Assets (6,952,159)
Change in Provision for Reinsurance  77,289
Change in Surplus Notes (205,882)
Additional Paid In Capital -
Change In Surplus -
Surplus As Regard Policyholders $176,077,589


Balance Sheet


Balance Sheet (Unaudited) June 30, 2025
Assets: Net Admitted Assets
Bonds: 274,097,938
Cash and Short-Term Investments: 155,633,281
Deferred Installment/Agents' Balance Rec: 53,563,211
Net Deferred Tax Asset 9,103,749
Reinsurance Recoverable 78,241,222 
Receivable from Affiliates 3,320,395
Other Assets 11,769,908
Total Assets 585,729,704
Liabilities and Surplus:
Loss and Loss Adjustment Reserve: 71,161,988
Net Unearned Premiums (116,523,067)
Ceded Reinsurance Payable 408,460,374
Payable to Affiliates -
Other Liabilities: 46,552,820
Total Liabilities 409,652,115
Surplus:
Capital Paid in and Contributed Surplus: 14,250,000
Surplus Note 3,573,529
Unassigned Surplus: 158,254,060
Total Surplus 176,077,589
Total Liabilities and Surplus 585,729,704


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