American Integrity Insurance Group(NYSE) AII

American Integrity Insurance Group, Inc. helps Florida families protect their homes. It sells insurance for houses, condos, and rental properties. These products pay for damage from storms and fires.

Coverage for Every Home

• Standard Homeowners: Insurance for single-family residences; accounted for $690.8 million of in-force premium as of June 30, 2026.
• Landlord Policies: Coverage for investment properties and vacant dwellings; represented $187.2 million of in-force premium as of June 30, 2026.
• Condominium Insurance: Specialized protection for unit owners in multi-family buildings.
• Specialty Lines: Protection for manufactured homes, watercraft, and golf carts.
• Flood Insurance: Optional products that provide coverage specifically for water damage caused by rising waters.

Scaling the Business

• Completed an initial public offering of common stock on May 9, 2025.
• Expanded operations into South Carolina, Georgia, and North Carolina to support builder agency relationships.
• Assumed 665 policies from Citizens Property Insurance Corporation during the first six months of 2026.
• Reduced the quota share reinsurance treaty commission from 40% to 25% on Jan. 1, 2026.

What Makes Them Unique?

The company uses a specialized builder agency network to find new customers and manage its distribution costs. It also uses advanced catastrophe modeling to prepare for severe weather events like hurricanes and tropical storms.

Tracking the Numbers

• Gross premiums written rose 13.8% to $326.6 million for the three months ended June 30, 2026.
• Net premiums earned grew 58.2% to $104.7 million for the three months ended June 30, 2026.
• Net income reached $34.1 million for the three months ended June 30, 2026.
• Cash provided by operating activities was $129.8 million for the six months ended June 30, 2026, up from $95.5 million in the prior year period.
• Declared a special cash dividend of $1.02 per share on Feb. 24, 2026.

Bottom Line

American Integrity has transitioned from a private entity to a public insurer with a heavy focus on the Florida residential market. It maintains growth by combining traditional agency partnerships with state-sponsored policy take-outs.