Home›Carriers›American Integrity

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.

American Integrity logo Active & FL-Licensed Since 2006 NAIC #12841 FEIN 20-5239410

Florida 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:

ValueGuard Property Insurance Home Cyber Coverage Windstorm Mitigation Discount
Everyday Florida homes with mature palms and practical pitched roofs

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.

A diverse Florida couple reviewing exterior home-maintenance details

Contact & Claims

Customer Service & Claims: (844) 692-4421 aii.com
24/7 Emergency Claims Contact Available

Related Citizens Topics

Takeout activity reported. See this carrier’s full Citizens Connection below.
Citizens Property Insurance Guide This carrier's Citizens Depopulation page

Helpful Resources & Programs

Unique Programs: Also offers ValueGuard Property Insurance, Home Cyber Coverage, and a Windstorm Mitigation Discount.

Links go to aii.com, the carrier’s own site.

Key Takeaways

Strong Florida homeowner/property focus.
Useful consumer education library.
Claims Center and claims education available.
Citizens depopulation education present.
Windstorm mitigation discount identified.
Flood, rental property, and homeowners resources identified.

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.

Roof age and materialShingle roofs often receive closer review at roughly 15-20 years; tile and metal roofs often receive closer review around 25-35 years. These are general market ranges, not American Integrity rules. Confirm the current requirement, roof condition standard, remaining-useful-life treatment, and claim-settlement basis.
Home age and inspectionsOlder homes may need a four-point, roof, wind, or other inspection. Across public market examples, inspection requests often begin when a home is roughly 20-40 years old. Confirm the current trigger and accepted documentation.
PlumbingPipe material, age, leaks, updates, water heater, drain condition, and prior water losses may affect review. Ask whether an inspection, repipe documentation, water exclusion, limit, or other condition applies.
ElectricalOlder or discontinued panels, wiring methods, service size, repairs, permits, and inspection findings may affect review. Ask which documentation or remediation is currently accepted.
Claims and prior insuranceCarriers commonly review roughly the prior 3-5 years, but the period and treatment vary. Ask how the cause, amount, repair status, open claims, cancellations, non-renewals, and any coverage gap will be evaluated.
Occupancy and property usePrimary, seasonal, rental, short-term rental, vacant, renovation, and business-use risks may need different forms or programs. Describe the property’s actual use and ask which product applies.
Location, value, and featuresTerritory, flood exposure, replacement cost, construction type, animals, pools, trampolines, solar equipment, generators, and other features may require additional review, documentation, limits, exclusions, or a different program.
General educational range only, not a carrier rule or eligibility guarantee. Confirm current requirements with the carrier or an appointed Florida-licensed agent.

Public Information

What public materials state about American Integrity

No current public rule was identified for this carrier’s underwriting factors in our latest public-source review. That is not evidence of acceptance or rejection. The carrier may use internal criteria that are not shown here. Ask American Integrity or a Florida-licensed agent appointed with the carrier to confirm every current requirement.
General educational range only, not a carrier rule or eligibility guarantee. Confirm current requirements with the carrier or an appointed Florida-licensed agent.

GLOSSARY

Terms Used on This Page

HO-3

A common home policy for an owner who lives in the house.

Learn more →

HO-6

A policy for the owner of a condo unit.

Learn more →

DP-3

A policy often used for a rental home.

Learn more →

DP

A dwelling policy, often used when the owner rents the home to someone else.

Learn more →

Coverage A

The policy limit used to rebuild the home.

Learn more →

Four-point inspection

A check of the roof, pipes, wiring, and heating and cooling systems.

Learn more →

Wind inspection

A report on parts that help a home stand up to high winds.

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.)

Florida Citizens Guide overview

What You Should Read Next

Florida coastal city skyline

Insurance Companies

Compare Florida home insurance carriers side by side: published coverage forms, eligibility guidance, and company facts for every profile.

6 min readUpdated Aug 2026
Read Article
White Florida home with palm trees

Citizens Insurance

How Citizens works, the 20% rule, and depopulation explained.

9 min readUpdated Aug 2026
Read Article
Insurance policy documents on a desk

Coverage Explained

Understand your policy, coverages, and deductibles.

5 min readUpdated Aug 2026
Read Article
Tile roof of a Florida home

Eligibility Guides

Roof age, plumbing, electrical and prior claims: how each factor affects which carriers will consider your home.

5 min readUpdated Aug 2026
Read Article
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

Takes under a minute. A licensed agent follows up with you directly.

Submitting this request does not bind coverage. Coverage starts only when an insurer issues a policy. Never sold or used for unrelated marketing. Deleted after 12 months, or sooner on request.

For Agents & Carriers

Represent one of our carriers?

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.

No cost to be listedDirect links to your agencyFlag outdated infoNot listed? We’ll add your carrier
Email Us

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.