American Integrity
American Integrity Insurance Company
American Integrity appears to be a Florida-focused residential property insurer with strong homeowner education, coverage resources, claims support, Citizens depopulation education, and consumer-facing tools/resources based on the retained crawl pages and available evidence tabs.
Active & FL-Licensed Since 2006
NAIC #12841
FEIN 20-5239410
Property and Casualty InsurerFlorida Availability
Statewide; Tri-County reopened 2025-2026
Citizens Relationship
Active Takeout Participant
Property Types
Primary/owner-occupied: Yes (HO-3, HO-6)
Unique Programs
7 identified
Where American Integrity Writes Coverage
Statewide, with the Tri-County region (Miami-Dade, Broward, Palm Beach) reopened for new business in 2025–2026.
Availability can change by county and program — confirm current openings with an agent.
American Integrity is licensed to write homeowners insurance across Florida, including in South Florida's Miami-Dade, Broward, and Palm Beach counties — a market the carrier reopened to new business as part of the 2025–2026 underwriting cycle after a period of more limited availability. As an active Citizens Property Insurance Corporation takeout participant, American Integrity is one of a smaller group of private carriers currently accepting new homeowners policies in these historically hard-to-place coastal counties. 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
Best Fit Homeowner
- Reopened Tri-County 2025-2026
- HVH program for Cov A $1.5M+
Eligibility Challenges & Hard Stops
Will Decline
- HO-3 with any coverage lapse — ineligible, no exceptions
- Rental property on HO-3 policies
- Restricted dog breeds: Pitbull, Staffordshire Bull Terrier, wolf/wolf hybrid, police-trained attack dogs, or any bite history
Requires Underwriting Review
- Acreage over 5 acres requires underwriting approval
THE UNDERWRITING BOX
What American Integrity will and won’t write.
Citizens Connection
Active Takeout Participant
OIR-approved to assume up to 32,579 Citizens policies in a February 2026 depopulation round; also publishes its own Citizens depopulation educational resources for homeowners. (Source: Florida Realtors, Nov 2025; internal Citizens_Depopulation_Activity flag.)
Other Carriers to Compare
Not every agency carries this carrier.
Ask any independent agent specifically whether they’re appointed with this carrier before getting a quote — most only carry a fraction of the market.
Find an AgentThis profile is intended as a general research reference. Carrier appetite, underwriting rules, eligibility, pricing, and documentation requirements can change. Final eligibility is determined by the insurance carrier at the time of application.
Information last verified August 2026. This carrier’s underwriting/rate manual on file was last revised: 10/2025 (HO-3); 08/2021 (DP-3). Underwriting eligibility and product availability may change. Contact the carrier or a licensed agent for current requirements.