American Integrity Insurance Group

American Integrity helps people protect their houses and belongings. It sells insurance to homeowners and condo owners in Florida. The company also covers rental properties and specialty items.

Protecting Your Property

• Homeowners Insurance: Coverage for single-family homes, high-value properties, and condo units.
• Dwelling Property: Policies for rental, seasonal, and investment homes not occupied by the owner.
• Manufactured Homes: Protection for factory-built houses, focusing on models in gated communities.
• Commercial Residential: Insurance for condominium and townhome associations launched in October 2025.
• Specialty Coverage: Standalone policies for golf carts and watercraft like sailboats or jet skis.

New Markets and Partnerships

• Completed an initial public offering (IPO) on May 9, 2025.
• Launched a commercial residential property program in October 2025 to cover townhome and condominium associations.
• Expanded geographic footprint by offering homeowners insurance to residents in North Carolina in January 2026.
• Partnered with national carriers like Allstate, Progressive, and USAA to provide coverage for their Florida customers.
• Assumed 33,867 policies from Citizens through a state-sanctioned take-out process during the 2025 fiscal year.

Data Driven Security

American Integrity uses proprietary technology to set insurance rates at the granular census-block level. This specialized approach allows the firm to price risk accurately in complex coastal markets. The company also maintains a conservative reinsurance program to protect its capital from severe weather events.

The Numbers Behind the Growth

• Net income was $20.9 million in the fourth quarter of 2025, up 148.5% from the fourth quarter of 2024.
• Revenue reached $68.1 million in the fourth quarter of 2025, up 1.4% year-over-year.
• Operating cash flow was $50.2 million in the fourth quarter of 2025, down 67.1% from the previous year.
• Gross profit reached $57.4 million in the fourth quarter of 2025, up 155.3% year-over-year.

Evolution of a Specialty Insurer

American Integrity has evolved from a Florida startup into a leading regional specialty insurer. It uses a vertically integrated model to manage everything from underwriting and pricing to claims processing.