American Integrity Insurance in Florida
American Integrity was started in Tampa in 2006, in the wake of the 2004 and 2005 hurricane seasons, by a founder who is still its CEO nineteen-plus years later. Today it carries the fifth-largest residential policy count in Florida, and in May 2025 it became a public company on the New York Stock Exchange. This page tells you who the company is, how it’s rated, what it writes in Florida, and how to compare its quote with 20+ other Florida homeowners carriers before you choose.
American Integrity at a glance
Carrier ratings verified directly with each rating agency.
Built in Tampa after the 2004–05 seasons — and still founder-run
Most Florida homeowners carriers were formed to enter a market. American Integrity was formed to enter this market at its hardest moment: Bob Ritchie founded the company in Tampa in 2006, on the heels of the 2004 and 2005 hurricane seasons, as national carriers were stepping back from the state. He has been its CEO every year since. Even the name was a statement of purpose — chosen, in the company’s own telling, “during a time when the industry was overwhelmed with integrity issues.” Its tagline today is “Strength From Integrity.”
The way the company was capitalized says something about how it has been run. American Integrity was seeded with $10.3 million — and that seed remained the only outside equity it ever took, for nearly two decades, until the company went public on the New York Stock Exchange in May 2025 under the ticker AII. A carrier that grew from startup to top-five in Florida on its original capital plus its own results is rare in any state; in this one, it’s a track record worth reading twice. By the accounting in its own 10-K, the company has been profitable in every year of its history except two.
The people stayed, too. Leadership has been largely consistent since the founding, with average executive tenure north of ten years — and the Tampa Bay Times has named American Integrity a Top Place to Work eight times. In a market where carriers are often judged by the experience of the team running them, a bench that has worked the same book through Irma, Ian, and the 2024 season is part of what you’re buying.
Scale now backs the story. Florida OIR market data (May 2026) counts more than 414,000 American Integrity policies in force — the fifth-largest residential insurer in the state, a list on which it sits above Citizens, the state-run carrier. And behind the policy count stands the storm-season balance sheet: the company’s 2026–27 catastrophe reinsurance program carries roughly $2.99 billion in total limit, with $2.25 billion available for a single event and its first tower placed to a 1-in-130-year return period — every reinsurer on the program rated A- or better. That program is not theoretical. In 2024, when three hurricanes made Florida landfall in one season, American Integrity’s net catastrophe cost came to $32.2 million — the reinsurance absorbed the rest.
Citizens takeouts: growth only when the math clears
Florida’s depopulation program — the state’s mechanism for moving policies out of Citizens, the insurer of last resort, and back into the private market — has a way of showing you each carrier’s discipline. American Integrity’s takeout record is one of the most distinctive in the market, and it’s worth telling in full.
The company participated early in depopulation. Then, from 2014 through 2024, it stood down entirely — a full decade out of takeouts because the economics on offer didn’t meet its underwriting standards. When the 2022–23 legal reforms changed that arithmetic, it returned in force: by Citizens’ own depopulation statistics, American Integrity assumed 68,844 policies in 2024 and 33,867 in 2025, including a November 2025 round of more than 7,000. Then it throttled back again — 665 policies through mid-2026 — because, in the company’s words, fewer policies met its underwriting and targeted profitability standards.
Read as one arc, that’s a carrier willing to grow fast when files clear its bar, and equally willing to sit out for years when they don’t. If a takeout letter with American Integrity’s name on it reaches your mailbox, two mechanics matter before the deadline: assumed is not the same as retained — every offer carries the right to opt out — and the offer’s price relative to your Citizens renewal can determine whether staying with Citizens remains available to you. That combination makes the letter a market-comparison question on a clock, and the FAQ below walks through it.
How American Integrity is rated — and by whom
The company holds two current financial-strength ratings, each verifiable at the source:
- Demotech: A (Exceptional) — the Financial Stability Rating affirmed in June 2026, a strong grade on the scale Demotech applies across most of Florida’s specialist homeowners market.
- KBRA: BBB+ insurance financial strength, Stable outlook, affirmed December 2025. Kroll Bond Rating Agency first raised the carrier to BBB+ in 2023 — an investment-grade mark from the agency that has emerged as the second major rater of Florida carriers.
American Integrity carries no AM Best rating — and before that fact carries any weight with you, look at how this market is actually rated. The national agency’s model was designed around insurers spread across many states; Florida’s homeowners specialists concentrate in one catastrophe-exposed state, so the agencies grading them are Demotech and, increasingly, KBRA. (A caution while you research: review sites showing an AM Best grade for American Integrity are simply wrong — no such rating exists.) The durable questions are identical for every company on a quote sheet — which agency issued the grade, what the grade is, and when it was affirmed — and those three answers ride along with every carrier we quote you. Our guide to Florida home insurance financial strength ratings breaks down how each of the three agencies reads this market.
American Integrity is an admitted Florida carrier, so its policyholders also sit inside the protection of the Florida Insurance Guaranty Association — the guaranty fund state law places behind every admitted insurer.
What American Integrity writes in Florida
The book runs wider than most shoppers expect:
- Homeowners (HO-3) — the core of the book by a wide margin; at the time of its IPO filing, the program spanned Coverage A limits from $150,000 to $5 million.
- Landlord (DP-3) — nearly 69,000 landlord policies at the end of 2024, per its SEC filings. A carrier holding a rental book that size is competing for landlord business on purpose.
- Vacant home (DP-1) — offered since 2010, and the company describes itself as one of the select few carriers in Florida with a dedicated vacant-home policy. Between a sale, an estate, a renovation, or tenants, plenty of good homes sit empty for a stretch — this is a policy built for exactly that stretch.
- Manufactured home — an appetite centered on newer models in gated communities.
- Condo unit-owners (HO-6) and renters (HO-4) — both written, in smaller volumes; the company also writes golf cart coverage.
At the top of the range, American Integrity raised the maximum insured value on its high-value program to $15 million in May 2026, on both HO-3 and DP-3. If your home is custom, large, or heavily upgraded, keep the sequence that keeps a premium honest: the quote starts with a rebuild number developed for your specific house — materials, upgrades, architectural style, scope, features — worked through with your agent, never assumed from the neighborhood. Dedicated high-value programs price from rich replacement estimates, so the estimate itself drives the premium; at the same time, many Florida admitted carriers offer HO-5 forms and extended-replacement-cost endorsements at considerably better premiums. Putting both routes on one quote sheet, with 20+ carriers pricing them, is how you learn which one fits the house you own.
One more product deserves a plain description. ValueGuard, introduced in 2024, is a lower-premium policy form built around fire and windstorm coverage, with optional endorsements available to broaden it. Whether its scope suits a particular home depends on that home and the policy’s own terms — so if a ValueGuard quote is on your table, working with your agent, put what it includes beside what it costs before deciding anything.
The rate story: a 6.9% average decrease — and what moves a renewal
In July 2024, American Integrity announced an average rate decrease of 6.9%, crediting Florida’s legal reforms — with more than 55,000 customers positioned for lower rates and roughly 215,000 more seeing no increase. In a market where rate news spent years traveling in one direction, a filed decrease reaching that many households is a fact that argues for itself. It is also the rate fact this page prints: what’s filed and verified, nothing speculative.
A statewide average, though, is not a forecast of your renewal. A renewal moves on more inputs than the base rate: the annual inflation adjustment applied to your Coverage A rebuild limit, the roof age your documents establish, your insurance score, and endorsements added or removed since last term — and each carrier weighs those inputs its own way. Our guide to why Florida home insurance premiums move takes the drivers one at a time. Working with your agent, an annual review lines those inputs up against the market, so before you renew you’ve seen where 20+ other carriers price the same home.
When a storm lands: triage, contractors, and a state exam worth quoting
American Integrity takes claims around the clock on a 24/7 hotline, and it triages by severity — the company’s stated goal is to reach customers whose homes are unlivable first. Behind the intake sits a preferred-contractor network, so repairs can begin with vetted crews instead of whoever knocks on the door first after a storm.
Then there’s the part you don’t have to take the company’s word for. After Hurricane Ian, Florida OIR conducted a market-conduct examination of American Integrity’s claims handling. The examiners sampled 153 claims and measured them against the statutory deadlines: one claim acknowledged late and two investigated late — error rates of 0.7% and 1.3%. Regulator exams exist to surface problems; this one documented a company meeting its deadlines in the overwhelming share of sampled files, and a result like that deserves to be stated plainly.
If you ever need to file: report the claim to the carrier directly — its 24/7 hotline puts you into that severity-triage queue at once. Your agent’s job sits on the other side of the timeline: call or text 813.920.8181 before hurricane season with the deductible and coverage questions, so nothing about the policy is a surprise the week you need it. What any policy covers in a given loss is set by its own terms, so reading yours together as the claim opens is part of the work.
Two ways to use this page
Already an American Integrity policyholder?
Then you’re insured with a rated, founder-run, top-five Florida carrier — and an annual look at the policy still pays, because a new roof, a new alarm, or a discount you now qualify for changes nothing until it’s written into the policy. Send your current policy over Canopy Connect — the secure link that imports your declarations page in about a minute, so nothing needs retyping — then working with your agent, weigh your coverage and credits against what 20+ other Florida homeowners carriers say about the same home.
Shopping and seeing American Integrity quoted?
That’s normal, and generally encouraging: the state’s #5 residential insurer is quoted on a large share of Florida homes, and landing on your quote list means your home fits a major carrier’s appetite. The useful next step is context — one entry with us prices the same home across 20+ Florida homeowners carriers, American Integrity included, with a licensed Florida agent explaining where the quotes differ and why.
American Integrity Insurance: your questions, answered
Is American Integrity a legitimate insurance company — and who owns it?
It is — and its ownership is unusually easy to check. American Integrity was founded in Tampa in 2006 by Bob Ritchie, who remains its CEO nineteen-plus years later, and in May 2025 it became a public company on the New York Stock Exchange under the ticker AII — so its results, filings, and leadership are all on the public record. Florida OIR market data (May 2026) counts it the state’s #5 residential insurer, with more than 414,000 policies in force. It’s an admitted Florida carrier, rated A (Exceptional) by Demotech and BBB+ by KBRA, and the Florida Insurance Guaranty Association — the guaranty fund state law places behind admitted carriers — stands with its policyholders.
What financial ratings does American Integrity carry — and why no AM Best?
Two agencies grade it: Demotech, at A (Exceptional), affirmed June 2026, and KBRA, at BBB+ with a Stable outlook, affirmed December 2025 — a grade KBRA first raised to BBB+ in 2023. AM Best does not rate American Integrity, and in Florida that’s the ordinary arrangement rather than a warning: the specialists writing most of the state’s homes carry Demotech or KBRA ratings, because those agencies built their methods around insurers concentrated in a single catastrophe-exposed state. Watch for review sites showing an AM Best grade for this carrier — they’re wrong, since no such rating exists. For any carrier, the checklist stays the same: which agency, what grade, affirmed when.
Citizens moved my policy to American Integrity — do I have to stay?
No — an assumption offer is an invitation with a choice attached. Takeout rounds run under Florida OIR approval, and American Integrity’s record here is selective: it assumed 68,844 policies in 2024 and 33,867 in 2025, then slowed sharply when fewer policies met its underwriting standards. Every offer carries an opt-out, and one eligibility rule matters before the deadline: if a private carrier’s offer is priced within 20% of your Citizens renewal premium, you may no longer be eligible to remain with Citizens. So treat the letter as a pricing question with a due date — working with your agent, put the offer beside 20+ Florida homeowners carriers and decide with the whole market in view.
How big is American Integrity in Florida?
Fifth-largest residential insurer in the state, by Florida OIR market data (May 2026) — more than 414,000 policies in force, a count that places it above Citizens on the same list. Size in Florida is best read together with what stands behind it: the company’s 2026–27 catastrophe reinsurance program provides roughly $2.99 billion of total limit, $2.25 billion of it available for a single event, with its first tower placed to a 1-in-130-year return period and every reinsurer on the program rated A- or better. When three hurricanes made Florida landfall in 2024, that structure held the company’s net catastrophe cost to $32.2 million.
Will American Integrity quote an older roof, a manufactured home, a vacant house, or a rental?
Its appetite reaches several of those. The company has publicly named homes with middle-aged roofs among its growth areas; its manufactured-home program centers on newer models in gated communities; it describes itself as one of the select few carriers in Florida with a dedicated vacant-home policy, a DP-1 it has offered since 2010; and its landlord DP-3 book ran to nearly 69,000 policies at the end of 2024. Every carrier prices these situations its own way, which is the point of comparing — and one fact helps if a claim is part of your history: a prior claim does not raise property rates, though it can shorten the list of carriers your home qualifies with, and it costs the claims-free discount, typically 2–10%.
How did American Integrity handle Hurricane Ian and the 2024 storms?
The most objective evidence is the state’s own review. Florida OIR’s market-conduct examination of the company’s Hurricane Ian claims handling sampled 153 claims and measured them against statutory deadlines: one late acknowledgment and two late investigations — error rates of 0.7% and 1.3%. In 2024, when Debby, Helene, and Milton all reached Florida in a single season, the company’s reinsurance program held its net catastrophe cost to $32.2 million. Operationally, it runs a 24/7 claims hotline, triages by severity — its stated goal is reaching customers whose homes are unlivable first — and maintains a preferred-contractor network for repairs.
Did American Integrity lower its rates?
Yes — in July 2024 the company announced an average 6.9% rate decrease, crediting Florida’s legal reforms, with more than 55,000 customers positioned for lower rates and roughly 215,000 more seeing no increase. What a statewide average can’t tell you is your own renewal: beyond the base rate, a renewal reflects the annual inflation adjustment to your Coverage A rebuild limit, the roof age your documents establish, your insurance score, and endorsements added or removed. Working with your agent, a renewal review sets those pieces side by side — and checks where the rest of the market prices the same home.
Do I buy American Integrity direct, or through an agent?
Through an agent — independent agencies are its largest distribution channel, roughly 1,300 of them across its markets. That structure works in your favor, because an independent agent isn’t limited to one carrier’s answer: at our agency, one entry returns American Integrity’s quote beside 20+ other Florida homeowners carriers — every quote built from the same coverage answers — with a licensed Florida agent to talk through the differences before you choose.
