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 homeowners.

We value stability over growth and will be there when you need us.

Income Statement

Income Statement (Unaudited)	December 31, 2024
Net Premiums Earned	144,505,616
Losses Incurred	90,184,524
Loss Expenses Incurred	9,320,552
Other Underwriting Expenses	17,206,126
Total Underwriting Deductions	116,711,202
Net Underwriting Gain Or Loss	27,794,414
Net Investment Income & Realized Capital Gains	13,099,046
Other Income	(288,043)
Net Income Before Dividends to Policyholders	40,605,417
Dividends to Policyholders	-
Net Income After Dividends to Policyholders	40,605,417
Federal and Foreign Income Taxes Incurred	11,517,527
Net Income	29,087,890
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year	113,359,118
Net Income	29,087,890
Change in Net Unrealized Capital Gains or (Losses)	(4,374)
Change In Deferred Tax	1,823,259
Change in Nonadmitted Assets	(786,313)
Change in Provision for Reinsurance	595,711
Change in Surplus Notes	(411,765)
Additional Paid In Capital	5,922,601
Change In Surplus	36,227,009
Surplus As Regard Policyholders	$149,586,127

Balance Sheet

Balance Sheet (Unaudited)	December 31, 2024
*Assets:*	Net Admitted Assets
Bonds:	201,836,096
Cash and Short-Term Investments:	146,316,238
Deferred Installment/Agents' Balance Rec:	48,203,029
Net Deferred Tax Asset	7,301,626
Reinsurance Recoverable	57,011,740
Receivable from Affiliates	25,641,944
Other Assets	4,869,403
Total Assets	491,180,076
*Liabilities and Surplus:*
Loss and Loss Adjustment Reserve:	67,576,597
Net Unearned Premiums	146,751,424
Ceded Reinsurance Payable	80,267,334
Payable to Affiliates	18,257,350
Other Liabilities:	28,741,238
Total Liabilities	341,593,943
*Surplus:*
Capital Paid in and Contributed Surplus:	14,250,000
Surplus Note	3,779,411
Unassigned Surplus:	131,556,721
Total Surplus	149,586,132
Total Liabilities and Surplus	491,180,075

Our Financial Stability

Income Statement

Balance Sheet

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