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 11 months November 30, 2016
Net Premiums Earned ​99,506,728
Losses Incurred ​39,326,547
Loss Expenses Incurred 20,949,207
Other Underwriting Expenses 33,783,929
Total Underwriting Deductions                         94,059,683              
Net Underwriting Gain Or Loss 5,447,045
Net Investment Income & Realized Capital Gains 3,805,048
Other Income -
Net Income Before Dividends to Policyholders 9,252,093              
Dividends to Policyholders -
Net Income After Dividends to Policyholders 9,252,093
Federal and Foreign Income Taxes Incurred 3,683,757
Net Income 5,568,336              
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year 67,638,802
Net Income 5,568,336
Change In Deferred Tax 460,590
Change in Nonadmitted Assets (400,963) 
Change in Surplus Notes (411,765)
Additional Paid In Capital -
Change In Surplus 5,216,198
Surplus As Regard Policyholders $72,720,464

Balance Sheet

Balance Sheet as of November 30, 2016 (Unaudited) November 30, 2016
Assets: Net Admitted Assets
Bonds: 143,832,318
Cash And Short-term Investments: ​37,232,395
Deferred Installment/Agents' Balance Rec: ​14,020,253
Net Deferred Tax Asset ​5,058,019
Other Assets ​12,218,913
Total Assets ​212,361,898
Liabilities and Surplus:
Loss and Loss Adjustment Reserve: 32,418,444
Net Unearned Premiums 58,742,080   
Ceded Reinsurance Payable 38,220,368
Payable to Affiliates -
Other Liabilities: 10,260,542
Total Liabilities 139,641,434
Capital Paid in and Contributed Surplus: 14,250,000
Surplus Note 7,073,529
Unassigned Surplus: 51,396,935
Total Surplus 72,720,464
Total Liabilities and Surplus 212,361,898

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