What is the rating for American Integrity insurance?

You may be confident in American Integrity Insurance’s long-term stability and devotion to their clients because of its robust reinsurance program, which has continuously earned “A” (Exceptional) Financial Stability Rating from Demotech, Inc.

Why is Florida home insurance so high?

Florida property insurance legislation, the state’s vulnerability to storms, and a rising rate of insurance fraud have all contributed to homeowners paying nearly twice as much for insurance as in other states.

What is the average cost for homeowners' insurance in Florida?

For a $250,000 dwelling coverage policy, the average cost of homeowners insurance in Florida is $1,648 per year. This is nearly 19 percent more than the national average premium for the same level of coverage, which is $1,383.

American Integrity Insurance Review 2026

What do customers have to say?

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Overview

No. of reviews: Google (15), Clearsurance (29), BBB (100), Trustpilot (72), Total (216)
No of ratings: Google (3.8), Clearsurance (1.7), BBB (1.15), Trustpilot (1.6) Avg Rating (2.7)
Address: 5426 Bay Center Drive, Suite 650. Tampa, FL 33609
Customer Service: 1-866-968-8390
24/7 Claims: 1-866-277-9871

Is American Integrity Insurance the Carrier for You?

American Integrity Insurance has more than 300,000 customers. They are exclusively represented by 1,000+ independent agents across the state of Florida, providing home insurance backed by their extraordinary customer service.

The company also offers a wide range of coverages. For the business owner’s convenience, you can add one of their endorsements like identity recovery or equipment breakdowns. You can also add underground service lines to keep pollution from seeping into the soil or water sources.

About Company

American Integrity Insurance is a premier Florida-based home and auto insurance provider founded by Robert Ritchie in 2006. It was introduced in response to Florida’s overwhelming shortage of sound home insurance choices. They have since been committed to providing sound, comprehensive coverage for all types of houses as well as exceptional customer service to Floridians.

They also offer high-value policies to help agents meet their sales targets. It provides more protection than other traditional companies on the market at the most affordable rates for Florida residents.

Integrity Select is the newest addition to their product catalog. It works to tackle problems with availability and capacity caused by a shrinking market and the financial instability of Florida insurance companies as a result of litigation abuse.

No agents found.

American Integrity – Pros and Cons

Pros

High customer satisfaction.
NPS (Net Promoter Score) is 64 – industry average score is 37.
91% agency partner satisfaction rate.
Offers generous discounts and transparency.

Cons

Complaint about claim handling processes.

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American Integrity Insurance Products

Homeowners

Florida Home Insurance Policy is designed to safeguard you and your family from unforeseen dangers. It provides comprehensive coverage for owner-occupied, single-family homes. This policy also offers a number of discounts, including a military discount for active and retired military personnel.

Integrity Select

This product covers additional living expenses, and additional coverage for your belongings and includes a wide range of discounts as well. You can purchase additional coverage for up to 70% of your home and belongings. Similarly, other specialized options are also available, including home computer coverage and theft coverage.

New Home Construction

With fantastic rates for newer houses, a variety of discounts, and various optional coverages and bundle options, it’s no surprise that American Integrity is a top insurer. You can easily get quotes from an American Integrity agent, whether you’re constructing a new home, renting or purchasing a house.

Vacant Home Policy

Vacant Policy is for everyone who owns a vacant home, from real estate investors and flippers to family members who have recently inherited a home and are unsure how to safeguard it. This policy can be short or long-term and can even be canceled without penalty after three months.

Boat

Their Boat Insurance covers small watercrafts up to 30 feet in length. It also covers sailboats, bass boats, pontoons, cruisers, and personal watercraft.

Jet Ski

If you have your primary home or condo policy, you may be eligible for the Multi-Program Discount, which covers all of your fun watercrafts with liability coverage.

Flood

Private Flood Endorsement can help protect you and your property from flood damage. There’s no better time to purchase this policy with broader coverage and rates up to 15% lower than the National Flood Insurance Program.

High Valued Home

The High Valued Home Policy covers residences from $750,000 to $10 million. Your insurance has some of the greatest coverage limits in the industry, and unlike other carriers, there is no minimum premium requirement. You can also add their Diamond Endorsement to your coverage to increase your special house’s protection.

Condo

American Integrity allows virtually every occupancy type on their Condo Policy: owner-occupied, vacant, rental or seasonal.

Rental/Seasonal Dwelling

They offer two rental/seasonal dwelling policies to choose from, both of which provide the necessary coverage for your specific needs.

Renters

Their Renters Policy is both affordable and convenient. It will protect your valuables from unforeseen disasters such as theft or fire. You can also keep the same coverage if you move to a new, qualified residence.

Umbrella

If you own a home, condo, or drive a car, you’re only one mishap away from being drawn into a costly lawsuit. The umbrella coverage is a cost-effective policy that protects your assets – your retirement funds, savings, and your home.

Golf Cart

Florida is a popular location for golf cart communities. Golf carts are fun and fast and take you where you want to go. However, Collisions, theft, and vandalism are some of your golf cart’s risks, just like your car.

Liability coverage: They provide split bodily injury coverage of $250,000/$500,000/$250,000 or combined single limits of $500,000.

Medical Payments: They have a $10,000 limit on medical payments.

Ensure your fair-weather fun is protected with a Golf Cart Policy tailored especially for you!

American Integrity Insurance Reviews and Ratings

Organization	American integrity Rating	Description
A.M. Best	A+	Financial Strength
Demotech	A	Financial Stability

Their financial stability rating and great service is what sets them apart as one of Florida’s best homeowners’ insurance providers. Some American Integrity reviews indicate complaints on claims processes, but usually, the issue gets resolved quickly if you go through the company.

4.5

(4 Reviews)

(2)

(0)

Reviews

Customer Reviews

“Hurricane Irma came through SW Florida, but I had my roof replaced by American Integrity before it could be badly damaged. The company sent an adjuster to get the damages assessed and then sent me a cheque for $5k – no need to deal with any other contractor or insurer!“

“It’s great to work with a company that clearly values customer service as much as ours does. The people at American Integrity are always very kind and helpful, which made this stressful situation much easier on us!”

“Justin Waters from American Integrity has been a blessing to our company. You guys are always so responsive and helpful, it’s great customer service! We’ve had nothing but positive experiences with you-when I opened up my agency in 2011 there were plenty of bad companies out here but now people come straight here because they know we’ll give them the best price possible while still being reliable as well which feels pretty cool considering how competitive everything can get these days.”

“Thomas, you’ve been quite helpful and smart in handling my claim; it’s been a rewarding experience. Thank you from the bottom of my heart for your excellent service.“

Source: Yelp, Trustpilot, Hagerty google reviews

The Bottom Line

Integrity Insurance has been in the business of providing quality coverage for over 30 years. They have an A+ rating with both BBB and A.M. Best, reflecting their commitment to customers’ needs by offering high-quality products at competitive rates that are unmatched across all the companies they compete against.

The vast majority (over 95%) of customer reviews of this company seem very positive, which reflects positively not only how well protected you will be but also just dealing directly with them. In short, American Integrity can be a solid bet if you’re looking for a trusted homeowners’ insurance in Florida. Further, you can consult with American Integrity insurance agents near you in Florida to get the personalized information.

Frequently Asked Questions

What is the rating for American Integrity insurance?

You may be confident in American Integrity Insurance’s long-term stability and devotion to their clients because of its robust reinsurance program, which has continuously earned “A” (Exceptional) Financial Stability Rating from Demotech, Inc.
Why is Florida home insurance so high?

Florida property insurance legislation, the state’s vulnerability to storms, and a rising rate of insurance fraud have all contributed to homeowners paying nearly twice as much for insurance as in other states.
What is the average cost for homeowners' insurance in Florida?

For a $250,000 dwelling coverage policy, the average cost of homeowners insurance in Florida is $1,648 per year. This is nearly 19 percent more than the national average premium for the same level of coverage, which is $1,383.

Sources:

Carlos Ramirez

Updated on: June 18th, 2026

Carlos Ramirez is a licensed insurance agent with 12 years of experience helping clients protect their homes, vehicles, and businesses. Based in Colorado and licensed in 30+ states, he makes insurance simple and practical. His writing draws from real experience to help readers make clear, confident coverage decisions.

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