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 June 30, 2020
Net Premiums Earned 67,376,513
Losses Incurred 46,034,968
Loss Expenses Incurred 15,583,482
Other Underwriting Expenses 7,209,028
Total Underwriting Deductions                         68,827,478              
Net Underwriting Gain Or Loss (1,450,965)
Net Investment Income & Realized Capital Gains 2,152,104
Other Income -
Net Income Before Dividends to Policyholders 701,139             
Dividends to Policyholders -
Net Income After Dividends to Policyholders 701,139
Federal and Foreign Income Taxes Incurred (2,576,277)
Net Income 3,277,416              
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year 78,061,307
Net Income 3,277,416
Change in Net Unrealized Capital Gains or (Losses)  (413)
Change In Deferred Tax (2,684,214)
Change in Nonadmitted Assets 583,572 
Change in Provision for Reinsurance  -
Change in Surplus Notes (205,882)
Additional Paid In Capital -
Change In Surplus 970,479
Surplus As Regard Policyholders $79,031,786

Balance Sheet

Balance Sheet as of June 30, 2020 (Unaudited) June 30, 2020
Assets: Net Admitted Assets
Bonds: 104,808,682
Cash And Short-term Investments: 110,115,496
Deferred Installment/Agents' Balance Rec: 20,542,868
Net Deferred Tax Asset 1,537,322
Other Assets 74,905,960
Total Assets 311,910,328
Liabilities and Surplus:
Loss and Loss Adjustment Reserve: 64,457,169
Net Unearned Premiums 16,355,208  
Ceded Reinsurance Payable 139,140,887
Payable to Affiliates -
Other Liabilities: 12,925,278
Total Liabilities 232,878,542
Capital Paid in and Contributed Surplus: 14,250,000
Surplus Note 5,632,353
Unassigned Surplus: 59,149,433
Total Surplus 79,031,786
Total Liabilities and Surplus 311,910,328