American Integrity Insurance

The balance sheet is conservatively financed: shareholders’ equity was 369.5 million and long‑term debt 0.4 million at June 30, 2026. Statutory surplus was 208.9 million with gross and net written premium‑to‑surplus ratios of 2.4‑to‑1 and negative 0.1‑to‑1, respectively, both within Florida guidelines.

The 2026‑27 reinsurance program provides 3.0 billion of third‑party catastrophe protection while preserving the 1‑in‑130 PML target and lowering aggregate retention. Financial strength ratings from Demotech A and KBRA BBB+ support distribution and mortgage eligibility.