UPDATED: Nov 30, 2018
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American Integrity Summary
Founded in 2006, American Integrity is one of the many new, local insurance companies in Florida that have moved into the market following strain on the insurance industry that resulted from multiple hurricanes. The company is headquartered in Tampa Bay, and currently serves only the state of Florida.
American Integrity is focused on the home insurance market, writing a small selection of standard home, condo, and manufactured home products. More recently, the company also offers cyber , golf cart, and flood coverage. American Integrity sells their policies through independent agents. American Integrity is one of many insurance companies who are involved in the Citizens Takeout program, which is reducing the policy load on Florida’s last-resort property insurer by offering policyholders a transfer to a new insurance company.
American Integrity Insurance writes several types of coverage for homeowners in Florida, from higher value homes to manufactured homes.
American Integrity’s standard homeowner’s insurance covers replacement cost for the home, personal property coverage, and personal liability for protection from negligence suits.
They also offer many endorsements, which increase the standard package policy including:
- Identity theft protection
- Equipment breakdown coverage
- Bundled Coverage
- Flood Insurance
Identity theft is also available as an endorsement on its own, which can be added to any of American Integrity’s home insurance policies.
American Integrity also writes high value home policies under their Premier plan to cover houses valued between $750,000 and $10 million. These policies include higher-value personal property coverage for items such as jewelry, fine art, and more. The Gold Reserve Endorsement can also be added to a Premier policy.
American Integrity offers two levels of Dwelling Fire coverage, a more limited form of home coverage that is often known as landlord’s insurance since it covers the structure but less in the way of personal property.
- DP-1 policies are the most minimal version offered by American Integrity and offer actual cash value coverage for the home. DP-1 is named perils only, which means that it does not cover as many risks. American Integrity will write this type of policy for vacant homes as well.
- DP-3 policies are a more comprehensive version of dwelling fire coverage that covers more perils and includes more options.
American Integrity covers manufactured homes for structure, personal property, and liability, much like a homeowner’s insurance policy, but designed for the specific needs of manufactured homes. Policy options are offered depending on the type and location of the home.
Condo policies are designed specifically for the needs of condos, covering everything about the structure that isn’t covered by the condo association policy, as well as personal property and liability. American Integrity also offers its Gold Reserve Endorsement for condos.
American Integrity offers flood insurance policies to protect Florida homeowners. The company website states that their rates are up to 15% lower than those through the National Flood Insurance Program (NFIP). Their is no waiting time for the flood insurance to go into effect and American Integrity offers higher limits than the NFIP. Flood insurance is an available option for particular policies are certain areas. It is best to check with an agent for eligibility.
One of the first companies in the nation to offer such a product, cyber protection coverage is becoming increasingly necessary. Currently only available with the American Integrity’s renter’s insurance product, American Integrity offers up to $25,000 for cyber attacks, cyber extortion events, or online fraud events.
American Integrity Insurance is a relatively small insurance company serving only Florida, a market that has faced high home insurance rates due to major hurricanes in past years. Small insurance companies like American Integrity have moved into a market that some larger insurance companies pulled out of, offering rates that are more affordable. However, small insurance companies unable to offer multi-line discounts can still find it difficult to offer competitive rates.
American Integrity does offer online quoting for home or condo insurance. The website confirms that they do not share your personal information with third parties. Once the quote has been obtained, the user has the option to request a call from an agent or save the quote for a later time.
American Integrity offers multiple methods of reporting a claim. There is a 24-hour claims line through which policyholders can contact the claims department directly to report and discuss claims. An online claims form is also available which allows policyholders to report the claim and provide information through the website, after which a claims representative will respond and contact the homeowner for more information.
The Home Claims FAQ page on the company website offers a basic overview of common questions and procedures in the company’s claims system. This includes what can be done when a policyholder does not agree with the company’s decision in a claim. A team of local adjusters, prepared to deal with common Florida occurrences including hurricanes, handle claims.
American Integrity Insurance has been Better Business Bureau accredited since 2012. The company has a BBB rating of A+ based on the multi-factor rating system that includes complaints, company longevity, and financial stability. There have been 46 complaints against American Integrity to the BBB in the past 3 years, 20 of which have been closed in the past 12 months. There are no government actions against the company.
The Florida Office of Insurance Regulation tracks complaints against insurance companies, and shows a total of 49 complaints for American Integrity in the fourth quarter of 2016. This is the most recent data available. That is a complaint ratio of 1:4833, or one complaint for every4833 policies American Integrity has in force. The ratio is a little on the higher side for a company this size.
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American Integrity is a recent entrant into the property and casualty market in Florida, helping to fill a void left my national insurers who pulled out after multiple hurricanes. While they are likely to be competitive for Florida homeowners who have had trouble with high rates or difficulty obtaining insurance in the past, lower risks may do better with a larger company, especially one that offers other lines of business for increased discounts. American Integrity’s reputation as a good employer lends strength to the reputation they are looking to build with Florida homeowners.
For a list of companies that we recommend, visit our Best Insurance Companies page.