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 3 months March 31, 2018
Net Premiums Earned 31,545,610
Losses Incurred 16,337,786
Loss Expenses Incurred 4,299,362
Other Underwriting Expenses 10,794,355
Total Underwriting Deductions                         31,431,503              
Net Underwriting Gain Or Loss 114,107
Net Investment Income & Realized Capital Gains 975,586
Other Income 77,568
Net Income Before Dividends to Policyholders 1,167,261              
Dividends to Policyholders -
Net Income After Dividends to Policyholders 1,167,261
Federal and Foreign Income Taxes Incurred 251,829
Net Income 915,431              
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year 74,011,842
Net Income 915,431
Change in Net Unrealized Capital Gains or (Losses)  (11)
Change In Deferred Tax (129,787)
Change in Nonadmitted Assets 132,579 
Change in Provision for Reinsurance  33,000
Change in Surplus Notes (102,941)
Additional Paid In Capital -
Change In Surplus 848,272
Surplus As Regard Policyholders $74,860,114


Balance Sheet



Balance Sheet as of March 31, 2018 (Unaudited) March 31, 2018
Assets: Net Admitted Assets
Bonds: 127,262,922
Cash And Short-term Investments: 22,212,839
Deferred Installment/Agents' Balance Rec: 13,833,668
Net Deferred Tax Asset 3,355,116
Other Assets 81,219,610
Total Assets 247,884,155
Liabilities and Surplus:
Loss and Loss Adjustment Reserve: 51,634,493
Net Unearned Premiums 95,493,476   
Ceded Reinsurance Payable 9,889,548
Payable to Affiliates 258,145
Other Liabilities: 15,748,379
Total Liabilities 173,024,041
Surplus:
Capital Paid in and Contributed Surplus: 14,250,000
Surplus Note 6,558,823
Unassigned Surplus: 54,051,291
Total Surplus 74,860,114
Total Liabilities and Surplus 247,884,155