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, 2016
Net Premiums Earned 109,032,291
Losses Incurred 46,158,394
Loss Expenses Incurred 19,686,850
Other Underwriting Expenses 36,640,580
Total Underwriting Deductions                         102,485,824              
Net Underwriting Gain Or Loss 6,546,467
Net Investment Income & Realized Capital Gains 4,125,544
Other Income 10,333
Net Income Before Dividends to Policyholders 10,682,344              
Dividends to Policyholders -
Net Income After Dividends to Policyholders 10,682,344
Federal and Foreign Income Taxes Incurred 4,400,624
Net Income 6,281,720              
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year 67,638,802
Net Income 6,281,720
Change in Net Unrealized Capital Gains or (Losses)  (94,655) 
Change In Deferred Tax 638,906
Change in Nonadmitted Assets (418,203) 
Change in Provision for Reinsurance  (775,000) 
Change in Surplus Notes (411,765)
Additional Paid In Capital -
Change In Surplus 5,221,004
Surplus As Regard Policyholders $72,859,806

Balance Sheet

Balance Sheet as of December 31, 2016 (Unaudited) December 31, 2016
Assets: Net Admitted Assets
Bonds: 157,941,730
Cash And Short-term Investments: ​26,726,778
Deferred Installment/Agents' Balance Rec: ​14,271,862
Net Deferred Tax Asset ​5,236,335
Other Assets 17,224,359
Total Assets ​221,401,064
Liabilities and Surplus:
Loss and Loss Adjustment Reserve: 35,468,325
Net Unearned Premiums 64,132,289   
Ceded Reinsurance Payable 38,438,430
Payable to Affiliates -
Other Liabilities: 10,502,214
Total Liabilities 148,541,258
Capital Paid in and Contributed Surplus: 14,250,000
Surplus Note 7,073,529
Unassigned Surplus: 51,536,277
Total Surplus 72,859,806
Total Liabilities and Surplus 221,401,064

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