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 3 months March 31, 2017
Net Premiums Earned 28,986,791
Losses Incurred 11,784,053
Loss Expenses Incurred 5,122,682
Other Underwriting Expenses 10,459,379
Total Underwriting Deductions                         27,366,114              
Net Underwriting Gain Or Loss 1,620,677
Net Investment Income & Realized Capital Gains 996,395
Other Income -
Net Income Before Dividends to Policyholders 2,617,072              
Dividends to Policyholders -
Net Income After Dividends to Policyholders 2,617,072
Federal and Foreign Income Taxes Incurred 1,267,245
Net Income 1,349,827              
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year 72,859,806
Net Income 1,349,827
Change in Net Unrealized Capital Gains or (Losses)  -
Change In Deferred Tax (35,414)
Change in Nonadmitted Assets 77,335 
Change in Provision for Reinsurance  -
Change in Surplus Notes (102,941)
Additional Paid In Capital -
Change In Surplus 1,288,807
Surplus As Regard Policyholders $75,018,268

Balance Sheet

Balance Sheet as of March 31, 2017 (Unaudited) March 31, 2017
Assets: Net Admitted Assets
Bonds: 169,061,143
Cash And Short-term Investments: ​13,640,368
Deferred Installment/Agents' Balance Rec: ​14,035,327
Net Deferred Tax Asset ​5,200,921
Other Assets 17,059,609
Total Assets ​218,997,368
Liabilities and Surplus:
Loss and Loss Adjustment Reserve: 37,170,847
Net Unearned Premiums 86,124,375   
Ceded Reinsurance Payable 5,788,730
Payable to Affiliates -
Other Liabilities: 14,895,148
Total Liabilities 143,979,100
Capital Paid in and Contributed Surplus: 14,250,000
Surplus Note 6,970,588
Unassigned Surplus: 53,797,680
Total Surplus 75,018,268
Total Liabilities and Surplus 218,997,368

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