Our Financial Stability

Financial stability may not be your first concern when searching for homeowners insurance, but it should be. 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 12 months December 31, 2017
Net Premiums Earned 119,058,444
Losses Incurred 68,103,305
Loss Expenses Incurred 17,407,061
Other Underwriting Expenses 33,022,253
Total Underwriting Deductions                         118,532,619              
Net Underwriting Gain Or Loss 525,825
Net Investment Income & Realized Capital Gains 4,033,260
Other Income 7,327
Net Income Before Dividends to Policyholders 4,566,412              
Dividends to Policyholders -
Net Income After Dividends to Policyholders 4,566,412
Federal and Foreign Income Taxes Incurred 2,006,899
Net Income 2,559,513              
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year 72,859,806
Net Income 2,559,513
Change in Net Unrealized Capital Gains or (Losses)  94,655
Change In Deferred Tax (1,751,432)
Change in Nonadmitted Assets (80,934) 
Change in Provision for Reinsurance  742,000
Change in Surplus Notes (411,764)
Additional Paid In Capital -
Change In Surplus 1,152,037
Surplus As Regard Policyholders $74,011,842

Balance Sheet

Balance Sheet as of December 31, 2017 (Unaudited) December 31, 2017
Assets: Net Admitted Assets
Bonds: 120,341,971
Cash And Short-term Investments: ​69,031,938
Deferred Installment/Agents' Balance Rec: ​14,989,938
Net Deferred Tax Asset ​3,484,903
Other Assets 38,411,648
Total Assets ​246,260,398
Liabilities and Surplus:
Loss and Loss Adjustment Reserve: 51,560,482
Net Unearned Premiums 71,483,910   
Ceded Reinsurance Payable 38,380,953
Payable to Affiliates -
Other Liabilities: 10,823,211
Total Liabilities 172,248,556
Capital Paid in and Contributed Surplus: 14,250,000
Surplus Note 6,661,765
Unassigned Surplus: 53,100,077
Total Surplus 74,011,842
Total Liabilities and Surplus 246,260,398

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