American Integrity home insurance in Florida
American Integrity Insurance Company
This page summarizes publicly available information about American Integrity and general questions to prepare before you ask for a quote. For American Integrity, start with the roof age and type. Then check the pipes, panel, wiring, and home use. Review past claims too. Keep proof of each update or repair. American Integrity requirements can change and must be confirmed for the current form, address, and effective date. Only the carrier can determine eligibility. Ask an appointed agent to check the latest guide for your home.
Active & FL-Licensed Since 2006
NAIC #12841
FEIN 20-5239410Florida Availability
Statewide license; county availability changes, confirm current openings
Citizens Relationship
Takeout activity reported
Property Types
Primary and owner-occupied homes are described in public material (HO-3, HO-6); confirm forms and current availability with an appointed agent
Unique Programs
7 identified, including:
Where American Integrity Writes Coverage
Licensed statewide; public reporting has described renewed Tri-County activity in the 2025-2026 cycle.
Availability can change by county and program. Confirm current openings with an agent.
American Integrity is licensed to write homeowners insurance across Florida, including South Florida. Public reporting has described renewed Tri-County (Miami-Dade, Broward, Palm Beach) activity in the 2025-2026 cycle and Citizens takeout participation; confirm current county openings and takeout status with the carrier or an appointed agent. Homeowners comparing private-market options to Citizens in the Tri-County area can read our Citizens Insurance guide for more on how takeout eligibility works.
Key Takeaways
General Eligibility Considerations
What to confirm with American Integrity or an appointed agent
This profile provides public company information and a general checklist of factors to discuss before requesting a quote from American Integrity. It does not reproduce the carrier’s complete underwriting guide or determine whether a specific property or applicant will qualify. Current requirements may vary by program, policy form, county, property condition, applicant, and effective date. Confirm every eligibility question with American Integrity or a Florida-licensed agent appointed with the carrier.
Public Information
What public materials state about American Integrity
GLOSSARY
Terms Used on This Page
Four-point inspection
A check of the roof, pipes, wiring, and heating and cooling systems.
Learn more →Decline
A carrier decision not to offer a particular program. Only the carrier can make this determination, and it can change with the program, address, and effective date.
Learn more →BEFORE YOU ASK FOR A QUOTE
Questions to Ask Before a Quote
- Does your agency work with this carrier and policy type?
- Is the carrier open for new business at this address?
- Does the roof meet the current age, type, and condition rules?
- Will the carrier ask for a four-point, wind, roof, or other inspection?
- Do the pipes, wiring, heating, cooling, and water heater meet the rules?
- How would American Integrity pay for roof damage? Would it use replacement cost, actual cash value, or a roof schedule?
- What are the hurricane and all-other-perils deductibles?
- Are there water, mold, animal, pool, or other limits?
- Which forms or records should you send before the quote?
PAPERWORK
Records to Gather
For an American Integrity review, bring the roof permit and the latest inspection. Keep bills for work on the roof, pipes, wires, or heating system. List old claims and how each repair was made. Send clear photos only when asked, and keep a copy of each file.
CITIZENS RESOURCE CENTER
Citizens Takeout Activity Reported
OIR-approved to assume up to 32,579 Citizens policies in a February 2026 depopulation round; American Integrity also publishes its own Citizens depopulation educational resources for homeowners. (Source: Florida Realtors, Nov 2025.)
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What You Should Read Next
Insurance Companies
Compare Florida home insurance carriers side by side: published coverage forms, eligibility guidance, and company facts for every profile.
Citizens Insurance
How Citizens works, the 20% rule, and depopulation explained.
Coverage Explained
Understand your policy, coverages, and deductibles.
Eligibility Guides
Roof age, plumbing, electrical and prior claims: how each factor affects which carriers will consider your home.
Need a specific insurance company?Get a quote from your Florida-licensed agent
Your request will show that it came from the American Integrity page. Our team will follow up to review your request and explain the next step.
- Florida-licensed agent
- Help with all property types
- No obligation
- Quotes typically back within 24 to 48 hours
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If you’re an appointed agent for a carrier listed in this directory, or you represent a Florida carrier we haven’t listed yet, reach out. We regularly hear from homeowners specifically looking for someone who carries a particular company. We’ll connect you directly.
FloridaHomeInsurances.com is an educational resource operated by a Florida-licensed insurance agency (see About). It is not an insurance carrier or underwriting decision-maker. Information on this site summarizes publicly available materials and general market considerations. General ranges are educational only; they are not a carrier’s complete underwriting guidelines, a quote, an offer, or a guarantee that a property or applicant will qualify. Availability, eligibility, pricing, coverage, forms, inspections, and documentation requirements can change and may vary by carrier, policy form, county, property, applicant, and effective date. Before relying on any figure or description, confirm the current requirement directly with the carrier or a Florida-licensed agent who is appointed with that carrier. The issued policy and the carrier’s current underwriting decision control.