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 March 31, 2022
Net Premiums Earned 47,169,507
Losses Incurred 31,160,085
Loss Expenses Incurred 5,095,618
Other Underwriting Expenses 9,347,389
Total Underwriting Deductions                         45,603,092              
Net Underwriting Gain Or Loss 1,566,415
Net Investment Income & Realized Capital Gains 294,898
Other Income -
Net Income Before Dividends to Policyholders 1,861,313            
Dividends to Policyholders -
Net Income After Dividends to Policyholders 1,861,313
Federal and Foreign Income Taxes Incurred 819,578
Net Income 1,041,735             
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year 79,473,903
Net Income 1,041,735
Change in Net Unrealized Capital Gains or (Losses)  -
Change In Deferred Tax 424,747
Change in Nonadmitted Assets 121,909 
Change in Provision for Reinsurance  -
Change in Surplus Notes (102,941)
Additional Paid In Capital -
Change In Surplus 1,485,450
Surplus As Regard Policyholders $80,959,353

Balance Sheet

Balance Sheet as of March 31, 2022 (Unaudited) March 31, 2022
Assets: Net Admitted Assets
Bonds: 180,645,388
Cash And Short-term Investments: 50,614,553
Deferred Installment/Agents' Balance Rec: 26,808,402
Net Deferred Tax Asset 6,103,490
Other Assets 70,453,625
Total Assets 334,625,458
Liabilities and Surplus:
Loss and Loss Adjustment Reserve: 61,087,631
Net Unearned Premiums 151,955,051  
Ceded Reinsurance Payable 23,023,596
Payable to Affiliates -
Other Liabilities: 17,599,827
Total Liabilities 253,666,105
Capital Paid in and Contributed Surplus: 14,250,000
Surplus Note 5,014,706
Unassigned Surplus: 61,694,647
Total Surplus 80,959,353
Total Liabilities and Surplus 334,625,458