American Integrity Insurance Company

What American Integrity Insurance Company does

American Integrity Insurance Company is a specialty residential property and casualty insurer headquartered in Tampa, Florida, focused exclusively on homeowners and ancillary residential coverages in the Southeast United States. Founded in 2006 and operating across Florida, Georgia, South Carolina, and North Carolina, the company underwrites primary homeowners insurance alongside flood, watercraft, golf cart, secondary/seasonal dwelling, and (as of October 2025) commercial residential property coverage. Its distribution is built on a network of independent insurance agents accessed through a Guidewire-powered agent portal, supplemented by participation in Florida's Citizens Property Insurance depopulation program, which transfers policies from the state insurer of last resort to approved private carriers.

The company's operations run on Guidewire's cloud-based InsuranceSuite platform for policy administration, billing, claims management, and agent-facing workflows, complemented by proprietary Storm Response Center capabilities for real-time hurricane preparedness and claims support. Underwriting and risk pricing are informed by 19 years of concentrated residential property data in hurricane-exposed markets, supported by a diversified $2.99 billion catastrophe reinsurance program (2026-2027) that combines traditional reinsurance, insurance-linked securities, the Florida Hurricane Catastrophe Fund, and a wholly-owned captive reinsurer to provide $2.25 billion in single-event coverage.

The company completed a $100 million IPO on the NYSE under ticker AII in May 2025, followed by a $60 million secondary offering in November 2025. Revenue is generated through subscription-recurring insurance premiums; in 2025, the company reported $276.5 million in total revenues (up 35.3% YoY), $885 million in gross premiums earned (up 29.7%), $99.6 million in net income (up 150.7%), and a record 63.7% combined ratio. The customer base consists of 421,866 individual residential property policyholders as of year-end 2025, served primarily through independent agents across the SMB/individual consumer segment.

Name

American Integrity Insurance Company

Legal name

American Integrity Insurance Group, Inc.

Website

https://aiicfl.com

Company type

Public

Founded year

2000

Operating status

Operating

Headcount range

251–500 employees

Short description

American Integrity Insurance Company is a Tampa-headquartered specialty residential property and casualty insurer offering homeowners, flood, and ancillary residential coverages to individual consumers across Florida, Georgia, South Carolina, and North Carolina, distributed through independent agents and Florida's Citizens depopulation program.

Ownership category

akta.pro rank

Product category

Residential Property & Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industry

Commercial Property Insurance (FSAJACAE)

Keywords

• Homeowners insurance
• Residential property insurance
• Flood insurance
• Catastrophe reinsurance
• Windstorm coverage

Headquarters

HQ city

Tampa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Property and Casualty Insurance Premiums: American Integrity Insurance generates revenue primarily through residential property insurance premiums. The company earned gross premiums of $885 million in 2025, representing 29.7% year-over-year growth. Revenue is generated from policyholder premiums across Florida, Georgia, South Carolina, and North Carolina markets.
2. Reinsurance Ceded Premiums: The company cedes a portion of premiums to reinsurers for catastrophe protection. Total net consolidated catastrophe reinsurance premiums ceded are expected to total $430-440 million for the 2026 treaty year, representing risk transfer for hurricane and catastrophe exposure.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

American Integrity Insurance Company is a specialty residential property insurer underwriting homeowners insurance and ancillary personal lines coverage (flood, watercraft, golf cart, secondary/seasonal dwelling) across Florida, Georgia, South Carolina, and North Carolina. The company also operates a Commercial Residential Property Program for landlords and property investors. Policies are distributed primarily through independent insurance agents, supported by the Citizens Property Insurance depopulation program and a Guidewire-powered digital platform.

Product overview

American Integrity Insurance Company offers a unified homeowners insurance platform with multiple specialized coverage products. The core product is homeowners insurance available across four southeastern U.S. states (Florida, Georgia, South Carolina, North Carolina), complemented by ancillary products including flood insurance, watercraft insurance, golf cart insurance, and rental property coverage. In October 2025, the company launched a Commercial Residential Property Program expanding into commercial residential coverage. The company operates primarily in the Florida market while expanding geographically, and participates in Citizens Property Insurance depopulation programs to acquire policies.

Differentiator

Problem solved

Functional benefit

Brands

• Strength from Integrity™: Company tagline reflecting core mission and brand identity

Products and services

• American Integrity Homeowners Insurance

Quantifiable outcome

• Record combined ratio of 63.7% achieved in 2025
• +3 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Three partnerships are on record, tiered minor and core.

• KBW Insurance ConferenceminorGTM or Marketing Partner · 28 August 2025American Integrity Insurance Group participated in the 2025 KBW Insurance Conference for investor relations and industry networking activities following its May 2025 IPO.
• America's VetDogsminorStrategic or Co-development Partner · 11 June 2025American Integrity Insurance Group partnered with America's VetDogs to raise and sponsor a future service dog. The partnership reflects the company's community engagement and charitable giving initiatives.
• GuidewirecoreTechnology or Integration · 2 January 2025Guidewire provides cloud-based insurance platform services including policy administration, billing, and claims management. American Integrity Insurance utilizes Guidewire for its agent portal, policy management systems, and digital operations.

Scale indicators15 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Universal Insurance Holdings: Universal Insurance Holdings (NYSE: UVE) is a Florida-headquartered holding company whose subsidiaries underwrite homeowners and personal lines insurance, making it one of the most direct publicly traded comparables to American Integrity in Florida residential property.
• Heritage Insurance Holdings: Heritage Insurance (NYSE: HRTG) is a specialty personal lines insurer focused on homeowners insurance in Florida and other coastal states, with overlapping product mix, geographic exposure, and Citizens depopulation participation as American Integrity.
• HCI Group: HCI Group (NYSE: HCI) operates TypTap Insurance and Homeowners Choice, both specializing in Florida homeowners insurance with similar catastrophe exposure and depopulation strategy as American Integrity.
• Slide Insurance: Slide Insurance is a Florida-focused specialty residential property carrier that has rapidly grown via Citizens depopulation transfers and is a direct competitor for the same Florida homeowners policy pool as American Integrity.
• Tower Hill Insurance Group: Tower Hill Insurance is a Florida-domiciled property and casualty insurer with a homeowners insurance focus, competing in the same independent agent distribution channels and Citizens depopulation opportunities as American Integrity.
• Florida Peninsula Insurance Company: Florida Peninsula Insurance is a Florida specialty homeowners carrier that recently received regulatory approval to absorb up to 40,000 policies from Citizens, making it a direct competitor for depopulation-driven growth alongside American Integrity.

Broad incumbents

• Citizens Property Insurance Corporation: Citizens is Florida's state-backed insurer of last resort and the source of depopulation transfers that drive American Integrity's growth. As a broad incumbent in the Florida residential property market, it shapes the policy supply pool AII can absorb.
• Allstate Corporation: Allstate (NYSE: ALL) is a national P&C incumbent with a substantial homeowners insurance book that competes with AII in Florida and across the Southeast, but operates a much broader multi-line portfolio and distribution scale.
• Liberty Mutual Insurance: Liberty Mutual is one of the largest U.S. P&C insurers with a sizable homeowners franchise; it competes with American Integrity in Florida and Southeast markets as part of a broad national portfolio.
• Chubb Limited: Chubb (NYSE: CB) is a global P&C leader with a significant high-value homeowners insurance practice that overlaps with AII's Southeast residential book, but operates across commercial, specialty, and personal lines at much larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/amintegrityins
• YouTubeyoutube.com/channel/UCJsNyQeYWxvsgMAZddJB3tw
• Facebookfacebook.com/americanintegrityinsurance
• LinkedInlinkedin.com/company/american-integrity-insurance-company
• Instagraminstagram.com/amerinteginsurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Integrity Insurance Company