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, 2019
Net Premiums Earned 136,687,178
Losses Incurred 93,762,242
Loss Expenses Incurred 11,388,235
Other Underwriting Expenses 31,831,311
Total Underwriting Deductions                         136,981,787              
Net Underwriting Gain Or Loss (294,609)
Net Investment Income & Realized Capital Gains 5,570,232
Other Income -
Net Income Before Dividends to Policyholders 5,275,623             
Dividends to Policyholders -
Net Income After Dividends to Policyholders 5,275,623
Federal and Foreign Income Taxes Incurred 1,760,178
Net Income 3,515,445              
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year 74,657,729
Net Income 3,515,445
Change in Net Unrealized Capital Gains or (Losses)  (43)
Change In Deferred Tax 891,424
Change in Nonadmitted Assets (736,482) 
Change in Provision for Reinsurance  145,000
Change in Surplus Notes (411,765)
Additional Paid In Capital -
Change In Surplus 3,403,579
Surplus As Regard Policyholders $78,061,308

Balance Sheet

Balance Sheet as of December 31, 2019 (Unaudited) December 31, 2019
Assets: Net Admitted Assets
Bonds: 146,248,850
Cash And Short-term Investments: 43,040,242
Deferred Installment/Agents' Balance Rec: 17,045,930
Net Deferred Tax Asset 4,221,537
Other Assets 74,193,967
Total Assets 284,750,526
Liabilities and Surplus:
Loss and Loss Adjustment Reserve: 64,008,755
Net Unearned Premiums 80,532,755  
Ceded Reinsurance Payable 49,863,455
Payable to Affiliates -
Other Liabilities: 12,284,253
Total Liabilities 206,689,218
Capital Paid in and Contributed Surplus: 14,250,000
Surplus Note 5,838,235
Unassigned Surplus: 57,973,073
Total Surplus 78,061,308
Total Liabilities and Surplus 284,750,526