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
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