Our Financial Stability

As Florida’s property insurance market becomes more volatile, financial stability is becoming an ever-greater concern when searching for homeowners insurance. 

With hurricanes and other natural disasters that impact Florida, it is important to know that your insurance company has the financial backing to be there for you when you need them the most. While many of the “name-brand” insurance companies have long since left Florida, some citing declining resources to cover claims and other expenses, you might wonder - if they can’t make it, who can? 

With our robust reinsurance program consistently earning us an “A” (Exceptional) Financial Stability Rating® from Demotech, Inc., you can be certain of American Integrity Insurance’s long term stability and commitment to our policyholders.

We carefully manage our geographic areas of growth to protect our current policyholders because, like you, we are also Florida homeowners.

We value stability over growth and will be there when you need us.

Income Statement

Income Statement (Unaudited) through 3 months September 30, 2022
Net Premiums Earned 144,688,490
Losses Incurred 104,977,783 
Loss Expenses Incurred 23,558,357
Other Underwriting Expenses 15,496,768
Total Underwriting Deductions                         144,032,908            
Net Underwriting Gain Or Loss 655,582
Net Investment Income & Realized Capital Gains 2,021,957
Other Income -
Net Income Before Dividends to Policyholders 2,677,539          
Dividends to Policyholders -
Net Income After Dividends to Policyholders 2,677,539
Federal and Foreign Income Taxes Incurred 1,528,096 
Net Income 1,149,443       
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year 79,473,903
Net Income 1,149,443
Change in Net Unrealized Capital Gains or (Losses)  1,942
Change In Deferred Tax 933,705
Change in Nonadmitted Assets 355,321 
Change in Provision for Reinsurance  -
Change in Surplus Notes (205,882)
Additional Paid In Capital -
Change In Surplus 2,234,529
Surplus As Regard Policyholders $81,708,432

Balance Sheet

Balance Sheet as of September 30, 2022 (Unaudited) September 30, 2022
Assets: Net Admitted Assets
Bonds: 205,514,888
Cash And Short-term Investments: 78,686,058
Deferred Installment/Agents' Balance Rec: 31,755,944
Net Deferred Tax Asset 6,612,448
Other Assets 82,007,792
Total Assets 404,577,130
Liabilities and Surplus:
Loss and Loss Adjustment Reserve: 64,348,231
Net Unearned Premiums 92,382,184
Ceded Reinsurance Payable 142,848,612
Payable to Affiliates -
Other Liabilities: 23,289,671 
Total Liabilities 322,868,698
Capital Paid in and Contributed Surplus: 14,250,000
Surplus Note 4,911,765
Unassigned Surplus: 62,546,667
Total Surplus 81,708,432 
Total Liabilities and Surplus 404,577,130