American Integrity Insurance Group
American Integrity Insurance Group is a Tampa-based, NYSE-listed (AII) property and casualty insurer providing residential homeowners, flood, condo, renters, and specialty coverages across Florida, Georgia, South Carolina, and North Carolina, distributed primarily through independent agents and the Florida Citizens Depopulation Program.
- Company typePublic
- Founded2007
- HeadquartersTampa, United States
- Headcount251–500
- GTM typeB2C
- OfferingServices
What American Integrity Insurance Group does
American Integrity Insurance Group, Inc. is a Tampa, Florida-based property and casualty insurance holding company that has provided residential property insurance in the Southeast United States since 2007. The company became publicly traded on the NYSE under the ticker AII following its 2025 initial public offering, with Sowell Investments Holding Co. LLC (led by James E. Sowell) holding an approximately 10% stake as founding investor. Operations are conducted primarily through its core operating subsidiary, AIIC (American Integrity Insurance Company), which underwrites a portfolio of residential and specialty lines.
The company's product architecture centers on a core homeowners insurance policy supplemented by a broad portfolio of specialized coverages, including the ValueGuard affordable dwelling fire product, a Florida-certified Private Flood Endorsement with no 30-day waiting period, high-value home coverage for properties above $750,000, condominium (HO-6), renters, manufactured home, vacant home, short-term rental, watercraft, and golf cart coverage. Products are distributed in Florida, Georgia, South Carolina, and North Carolina through an appointed independent agent network supported by InsuranceNow (Guidewire-based), Wright Flood, and a commercial clearance portal, with direct-to-consumer digital and phone channels for renewals and service. The company also participates in Florida's Citizens Property Insurance Depopulation Program as a structured take-out channel.
American Integrity generates revenue predominantly through subscription-recurring property and casualty insurance premiums. As of Q1 2026, total revenues reached $90.9 million (up 26.5% year-over-year) on $220 million of gross premiums written, with policies in-force of 437,308 (up 14.1% year-over-year). The 2026-2027 catastrophe excess-of-loss reinsurance program was placed at $2.99 billion (up 15.8% YoY) with 15-20% rate reductions. Financial strength is supported by an A (Exceptional) rating from Demotech, BBB+ from Kroll Bond Rating Agency, and over $100 million in policyholder surplus, while customer satisfaction metrics include a 4.4 Google rating and 91% claims-process satisfaction.
American Integrity Insurance Group firmographics
Firmographics- Name
- American Integrity Insurance Group
- Legal name
- American Integrity Insurance Group, Inc.
- Website
- https://aii.com
- Company type
- Public
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- American Integrity Insurance Group is a Tampa-based, NYSE-listed (AII) property and casualty insurer providing residential homeowners, flood, condo, renters, and specialty coverages across Florida, Georgia, South Carolina, and North Carolina, distributed primarily through independent agents and the Florida Citizens Depopulation Program.
- Ownership category
- akta.pro rank
American Integrity Insurance Group industry classification
Industry- Product category
- Residential Property Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Homeowners Insurance (FSAJACAA)
- akta.pro secondary industries
- Renters Insurance (FSAJACAB), Landlord / Dwelling Fire (DP) Insurance (FSAJACAD)
Keywords
Where American Integrity Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Tampa
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
American Integrity Insurance Group business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Property & Casualty Insurance Premiums: American Integrity Insurance Group generates the majority of its revenue through residential property and casualty insurance premiums across homeowners, condo, rental dwelling, manufactured home, vacant home, flood, golf cart, and watercraft policies. Gross premiums written were $220 million in Q1 2026, up 3.7% year-over-year.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Standard Homeowners Insurance — full coverage policy for primary residences |
| Subscription | Annual | ValueGuard Property Insurance — essential, affordable core-peril coverage |
| Subscription | Annual | Multi-Policy and Bundle Discounts |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
American Integrity Insurance Group product offering
Product offeringCore offering
American Integrity Insurance Group underwrites and sells residential property and casualty insurance to homeowners and property owners in the Southeast United States (Florida, Georgia, South Carolina, North Carolina). The portfolio includes standard homeowners, dwelling fire (ValueGuard), private flood, condo, renters, manufactured home, vacant home, high-valued home, watercraft, and golf cart coverage, distributed through independent agents and direct-to-consumer channels.
Product overview
American Integrity Insurance Group is a property and casualty insurance holding company offering a comprehensive portfolio of residential insurance products primarily in the Southeast United States. The core product lineup centers on Homeowners Insurance and the ValueGuard Property Insurance dwelling fire policy, supplemented by specialized coverage products including flood insurance (both private endorsement and NFIP), High Valued Home Insurance for properties over $750,000, Condominium, Renters, Manufactured Home, Vacant Home, and Short-Term Rental Insurance. Additional products include Watercraft and Golf Cart coverage in select states. The company operates Citizens Depopulation programs to transition policyholders from Citizens Property Insurance to private coverage, and offers various discount programs including windstorm mitigation, multi-policy bundles, and security device discounts. The product architecture is organized as a platform-plus-modules approach, with core homeowners policies and specialized add-on coverages available across Florida, Georgia, South Carolina, and North Carolina.
Differentiator
Problem solved
Functional benefit
Brands
- ValueGuard Property Insurance: Tailored essential protection for Florida homeowners covering fire and windstorm risks at affordable price points, with optional flood and liability coverage.
Products and services
- Homeowners Insurance
- ValueGuard Property Insurance
- Private Flood Endorsement
- High Valued Home Insurance
- Secondary or Seasonal Dwelling Insurance
- Watercraft Insurance
- Golf Cart Insurance
- Condominium Insurance (HO-6)
- Renters Insurance
- Manufactured Home Insurance
- Vacant Home Insurance
- Short-Term Rental Insurance
Quantifiable outcome
- Policies in-force grew 14.1% to 437,308 as of March 31, 2026
- +6 more outcomes
Companies that use American Integrity Insurance Group
Customer profileSegments4 records
Ideal customer profiles3 records
American Integrity Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
American Integrity Insurance Group partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Guidewire (InsuranceNow / Policy Management Platforms)coreAmerican Integrity uses Guidewire-based platforms for policy management: InsuranceNow (formerly SPIN) for core policy administration, Wright Flood for flood policy management, and a Commercial Clearance Portal. These platforms enable agents to quote, bind, and service policies. Guidewire is accessed via platform.go.aiiconnect.com.
- Citizens Property Insurance CompanycoreAmerican Integrity actively participates in Citizens Property Insurance Company's Depopulation Program, assuming policies from Citizens as the Florida private insurance market stabilizes. The program transfers homeowners from Citizens (the insurer of last resort) to American Integrity, with take-out policies populating in InsuranceNow 45 days prior to renewal. This partnership is structured by Florida legislation to reduce Citizens' policy count.
Scale indicators13 records
Recent moves6 records
Expansion highlights5 records
American Integrity Insurance Group competitors and assessment
Company assessmentDirect peers
- People's Trust Insurance: Florida-based residential property insurer offering homeowners and related property coverage. Competes for the same Florida homeowner segment, with similar reliance on managing hurricane and litigation exposure to maintain underwriting profitability.
- Tower Hill Insurance Group: Private Florida-based residential property insurer offering homeowners, dwelling fire, and specialty property products through independent agents. Direct competitor sharing the same Florida regulatory environment, hurricane exposure, and Citizens depopulation opportunity set.
- Heritage Insurance Holdings: NYSE-listed specialty P&C insurer heavily concentrated in Florida residential property. Direct competitor offering personal lines property coverage through similar independent agent distribution, sharing exposure to Citizens Depopulation, hurricane losses, and Florida regulatory dynamics.
- HCI Group: NYSE-listed holding company for Homeowners Choice Property & Casualty Insurance Company, a Florida-focused residential property insurer. Direct peer with similar product mix (homeowners, condo, dwelling fire) and dependency on Florida catastrophe reinsurance markets.
- Slide Insurance: Florida-focused residential property insurer founded by industry veterans, actively participating in Citizens Depopulation. Competes head-to-head for the same take-out assignments and policyholder transitions, with similar product concentration in homeowners and wind/flood risk.
- Edison Insurance Company: Florida-focused residential property insurer serving homeowners and condo owners through independent agents. Direct peer operating in the same regulatory and reinsurance environment, with similar product positioning and depopulation participation.
- First Protective Insurance Company: Florida-focused residential property insurer offering homeowners, condo, and dwelling fire products. Direct peer competing for the same agent channel and Citizens depopulation assignments in the same regulatory environment.
- Universal Insurance Holdings: NYSE-listed parent of Universal Property & Casualty Insurance Company, a direct competitor in Florida residential property insurance with similar homeowners, condo, and dwelling fire products. Comparable in regional focus, distribution through independent agents, and exposure to Florida regulatory and hurricane risk dynamics.
- Florida Peninsula Insurance Company: Florida-domiciled residential property insurer specializing in homeowners and dwelling fire coverage. Direct peer operating in the same regulatory regime, with comparable agent distribution model and exposure to hurricane-driven reinsurance economics.
Others
- Citizens Property Insurance Corporation: Florida's state-backed insurer of last resort and the source of American Integrity's depopulation pipeline. While not a direct competitor in commercial terms, Citizens' residual policy count and depopulation assignments directly determine a significant portion of AII's policy acquisition.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
American Integrity Insurance Group social profiles
Digital presenceAmerican Integrity Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
American Integrity Insurance Group leadership team
Management profileNumber of profiles
Profiles2 records
American Integrity Insurance Group subsidiaries and ownership
Company hierarchySubsidiaries1 record
American Integrity Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
American Integrity Insurance Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about American Integrity Insurance Group
What does American Integrity Insurance Group do?
American Integrity Insurance Group underwrites and sells residential property and casualty insurance to homeowners and property owners in the Southeast United States (Florida, Georgia, South Carolina, North Carolina). The portfolio includes standard homeowners, dwelling fire (ValueGuard), private flood, condo, renters, manufactured home, vacant home, high-valued home, watercraft, and golf cart coverage, distributed through independent agents and direct-to-consumer channels.
Is American Integrity Insurance Group a public or private company?
American Integrity Insurance Group is a public company. It is classified as public and is currently operating.
When was American Integrity Insurance Group founded?
American Integrity Insurance Group was founded in 2007. It employs 251 to 500 people.
Where is American Integrity Insurance Group based?
American Integrity Insurance Group is headquartered in Tampa, United States, in the North America region.
How does American Integrity Insurance Group make money?
One revenue line is on record: property & Casualty Insurance Premiums.
Who are American Integrity Insurance Group's main competitors?
Direct peers on record are People's Trust Insurance, Tower Hill Insurance Group, Heritage Insurance Holdings, HCI Group, Slide Insurance, Edison Insurance Company, First Protective Insurance Company, Universal Insurance Holdings and Florida Peninsula Insurance Company. Citizens Property Insurance Corporation is listed as an others.
Does American Integrity Insurance Group have an API?
No public API is recorded for American Integrity Insurance Group.
What industry is American Integrity Insurance Group in?
American Integrity Insurance Group's product category is Residential Property Insurance. Its primary akta.pro industry code is FSAJACAA, Homeowners Insurance, with a secondary code of FSAJACAB, Renters Insurance. Its NAICS code is 524126 and its SIC code is 6331.