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)	June 30, 2024
Net Premiums Earned	66,694,968
Losses Incurred	43,557,390
Loss Expenses Incurred	6,889,213
Other Underwriting Expenses	19,678,946
Total Underwriting Deductions	70,125,549
Net Underwriting Gain Or Loss	(3,430,581)
Net Investment Income & Realized Capital Gains	6,356,356
Other Income	66,726
Net Income Before Dividends to Policyholders	2,992,501
Dividends to Policyholders	-
Net Income After Dividends to Policyholders	2,992.501
Federal and Foreign Income Taxes Incurred	930,748
Net Income	2,061,753
Capital and Surplus Account
Surplus As Regard Policyholders December 31, prior year	113,359,118
Net Income	2,061,753
Change in Net Unrealized Capital Gains or (Losses)	51
Change In Deferred Tax	234,571
Change in Nonadmitted Assets	(24,716)
Change in Provision for Reinsurance	673,000
Change in Surplus Notes	(205,882)
Additional Paid In Capital	-
Change In Surplus	2,738,777
Surplus As Regard Policyholders	$116,097,895

Balance Sheet

Balance Sheet (Unaudited)	June 30, 2024
*Assets:*	Net Admitted Assets
Bonds:	141,959,196
Cash and Short-Term Investments:	105,008,280
Deferred Installment/Agents' Balance Rec:	55,058,060
Net Deferred Tax Asset	5,712,938
Reinsurance Recoverable	76,015,727
Other Assets	4,193,286
Total Assets	387,947,487
*Liabilities and Surplus:*
Loss and Loss Adjustment Reserve:	71,364,066
Net Unearned Premiums	(73,706,932)
Ceded Reinsurance Payable	249,537,889
Payable to Affiliates	3,108,713
Other Liabilities:	21,545,856
Total Liabilities	271,849,592
*Surplus:*
Capital Paid in and Contributed Surplus:	14,250,000
Surplus Note	3,985,294
Unassigned Surplus:	97,862,601
Total Surplus	116,097,895
Total Liabilities and Surplus	387,947,487

Our Financial Stability

Income Statement

Balance Sheet

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