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	June 30, 2023
Net Premiums Earned	93,650,363
Losses Incurred	52,648,106
Loss Expenses Incurred	6,334,103
Other Underwriting Expenses	26,514,575
Total Underwriting Deductions	85,496,784
Net Underwriting Gain Or Loss	8,153,579
Net Investment Income & Realized Capital Gains	5,322,446
Other Income	(17,483)
Net Income Before Dividends to Policyholders	13,458,542
Dividends to Policyholders	-
Net Income After Dividends to Policyholders	13,458.542
Federal and Foreign Income Taxes Incurred	3,593,644
Net Income	9,864,898
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year	95,978,611
Net Income	9,864,898
Change in Net Unrealized Capital Gains or (Losses)	-
Change In Deferred Tax	754,858
Change in Nonadmitted Assets	720,656
Change in Provision for Reinsurance	2,424,000
Change in Surplus Notes	(308,822)
Additional Paid In Capital	-
Change In Surplus	13,455,590
Surplus As Regard Policyholders	$109,434,201

Balance Sheet

Balance Sheet (Unaudited)	June 30, 2023
*Assets:*	Net Admitted Assets
Bonds:	186,936,666
Cash And Short-term Investments:	59,458,020
Deferred Installment/Agents' Balance Rec:	44,259,421
Net Deferred Tax Asset	6,706,702
Reinsurance Recoverable	114,677,346
Other Assets	3,467,570
Total Assets	415,505,725
*Liabilities and Surplus:*
Loss and Loss Adjustment Reserve:	67,054,940
Net Unearned Premiums	(54,852,166)
Ceded Reinsurance Payable	283,530,578
Payable to Affiliates	-
Other Liabilities:	10,338,172
Total Liabilities	306,071,524
*Surplus:*
Capital Paid in and Contributed Surplus:	14,250,000
Surplus Note	4,397,059
Unassigned Surplus:	90,787,142
Total Surplus	109,434,201
Total Liabilities and Surplus	415,505,725

Our Financial Stability

Income Statement

Balance Sheet

Request a Quote

Find An Agent

Follow Us