American Integrity Insurance Group, Inc. (NYSE: AII)

American Integrity Insurance Group, LLC is a profitable and growing insurance group headquartered in Tampa Florida. Through its subsidiary American Integrity Insurance Company it provides personal residential property insurance for single family homeowners condominium owners vacant dwellings and investment properties predominantly in Florida. The company also offers coverage in Georgia North Carolina and South Carolina. It has operated in the Florida residential property insurance market for more than twenty years focusing on disciplined underwriting and claims management.

The company generates revenue primarily by writing residential property insurance policies and collecting premiums from policyholders. For the year ended December 31 2025 gross premiums written amounted to $944.6 million. It also earns premiums by assuming policies from Citizens Property Insurance Corporation when opportunities meet its underwriting and profitability criteria. Revenue is derived from net premiums written and investment income on held reserves.

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American Integrity Insurance Group, LLC holds a leading position in the Florida residential property insurance market. It was the sixth largest writer of residential property insurance in Florida based on policies in force and the fifth largest excluding Citizens and national carriers as of December 31 2025. The company wrote the seventh most residential policies in Florida during the year ended December 31 2025 and ranked third when excluding Citizens and national carriers. Its competitive advantages include specialized underwriting expertise developed over two decades a proprietary technology platform that enables granular risk selection and real time quoting an in house claims management team that handles non catastrophe claims and a diversified distribution network through independent agents national carriers and homebuilder affiliated agents. The company also maintains a strong reinsurance program and a conservative capital position with shareholders equity of $337.0 million and a debt to equity ratio below one percent.

The company serves a diverse customer base that includes single family homeowners condominium owners landlords investors and owners of vacant dwellings. It also provides coverage for manufactured homes and for commercial residential associations such as condominium townhome and homeowner associations. While the majority of its policies are located in Florida the company has begun writing policies in Georgia North Carolina and South Carolina.