Overview
American Integrity Insurance is a regional homeowner’s insurer serving Florida, Georgia, and South Carolina. It underwrites homeowners policies, uses data-driven risk assessment and underwriting to price and manage policies, and emphasizes risk management and catastrophe response to protect homes. Its products are homeowners insurance policies sold through 1,000+ independent agents and supported by a customer-first culture, employee focus, and legislative advocacy. The company differentiates itself by its focus on problem-solving in underwriting and claims, strong presence in a tough Florida market, and a people-first workplace that aims to deliver reliable protection and service through energy, integrity, and collaboration. The goal is to protect homes and strengthen communities while growing through talent, innovation in underwriting, and advocacy in the insurance industry.
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Simplify's take
What believers are saying
- Q2 2026 pretax income hit $46.4 million, the company’s best quarterly result.
- Voluntary new business reached 43,000 policies, up 54% year over year.
- Florida litigation reforms and lower reinsurance costs lifted Q2 combined ratio to 63.4%.
What critics are saying
- A single Florida mega-hurricane can overwhelm retained losses, reinsurance reinstatement costs, and capital.
- Florida lawsuit reform weakens or reverses, restoring claim severity and defense costs.
- Secondary offerings and insider lockup expirations pressure AII shares and employee equity.
What makes American Integrity Insurance unique
- AII underwrites Florida homeowners with 461,714 policies in force at June 30, 2026.
- Its June 1, 2026 catastrophe tower provided nearly $3 billion protection.
- It expanded luxury-home capacity to $15 million TIV across four Southeast states.
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