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, 2020
Net Premiums Earned 138,988,228
Losses Incurred 97,860,161
Loss Expenses Incurred 26,679,802
Other Underwriting Expenses 17,565,334
Total Underwriting Deductions                         142,105,297              
Net Underwriting Gain Or Loss (3,117,069)
Net Investment Income & Realized Capital Gains 2,988,272
Other Income 190,556
Net Income Before Dividends to Policyholders 61,759            
Dividends to Policyholders -
Net Income After Dividends to Policyholders 61,759
Federal and Foreign Income Taxes Incurred 1,161,119
Net Income (1,099,360)              
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year 78,061,307
Net Income (1,099,360)
Change in Net Unrealized Capital Gains or (Losses)  (55)
Change In Deferred Tax 1,170,695
Change in Nonadmitted Assets 450,798 
Change in Provision for Reinsurance  -
Change in Surplus Notes (514,706)
Additional Paid In Capital -
Change In Surplus 7,372
Surplus As Regard Policyholders $78,068,679

Balance Sheet

Balance Sheet as of December 31, 2020 (Unaudited) December 31, 2020
Assets: Net Admitted Assets
Bonds: 129,354,176
Cash And Short-term Investments: 69,380,201
Deferred Installment/Agents' Balance Rec: 21,653,728
Net Deferred Tax Asset 5,392,229
Other Assets 56,328,835
Total Assets 282,109,169
Liabilities and Surplus:
Loss and Loss Adjustment Reserve: 63,808,158
Net Unearned Premiums 82,965,042  
Ceded Reinsurance Payable 49,051,761
Payable to Affiliates -
Other Liabilities: 8,215,530
Total Liabilities 204,040,491
Capital Paid in and Contributed Surplus: 14,250,000
Surplus Note 5,323,529
Unassigned Surplus: 58,495,149
Total Surplus 78,068,678
Total Liabilities and Surplus 282,109,169