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, 2018
Net Premiums Earned 129,511,830
Losses Incurred 88,822,046
Loss Expenses Incurred 14,362,915
Other Underwriting Expenses 29,280,715
Total Underwriting Deductions                         132,465,676              
Net Underwriting Gain Or Loss (2,953,846)
Net Investment Income & Realized Capital Gains 4,310,685
Other Income (8,063)
Net Income Before Dividends to Policyholders 1,348,777             
Dividends to Policyholders -
Net Income After Dividends to Policyholders 1,348,777
Federal and Foreign Income Taxes Incurred 196,732
Net Income 1,152,045              
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year 74,011,842
Net Income 1,152,045
Change in Net Unrealized Capital Gains or (Losses)  44
Change In Deferred Tax (154,791)
Change in Nonadmitted Assets 172,355 
Change in Provision for Reinsurance  (112,000)
Change in Surplus Notes (411,765)
Additional Paid In Capital -
Change In Surplus 645,887
Surplus As Regard Policyholders $74,657,729

Balance Sheet

Balance Sheet as of December 31, 2018 (Unaudited) December 31, 2018
Assets: Net Admitted Assets
Bonds: 138,982,772
Cash And Short-term Investments: 26,078,225
Deferred Installment/Agents' Balance Rec: 15,608,206
Net Deferred Tax Asset 3,330,111
Other Assets 82,722,779
Total Assets 266,722,093
Liabilities and Surplus:
Loss and Loss Adjustment Reserve: 64,132,607
Net Unearned Premiums 74,435,311  
Ceded Reinsurance Payable 46,148,413
Payable to Affiliates -
Other Liabilities: 7,348,033
Total Liabilities 192,064,364
Capital Paid in and Contributed Surplus: 14,250,000
Surplus Note 6,250,000
Unassigned Surplus: 54,157,729
Total Surplus 74,657,729
Total Liabilities and Surplus 266,722,093