American Integrity Homeowners Insurance Review & Ratings (2023)
American Integrity Insurance offers homeowners policies to those living in high-risk areas for tropical storms. They specialize in coverage specific to Floridians, including coverage for boats, golf carts, and jet skis.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Dec 16, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 16, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- American Integrity offers homeowners insurance exclusively in Florida
- Despite being a small company, they have a suite of products to fit customers’ needs
- The company faces challenges insuring homeowners in a tropical storm zone
American Integrity Insurance offers homeowners insurance and several other products exclusively to customers residing in Florida.
They specifically cater to customers that live in a tropical storm zone by assisting them in obtaining policies when other companies won’t.
American Integrity is one of the few companies specializing in keeping homeowners covered in the state.
In this review of the company, you will learn about American Integrity, the products they offer, their financial standing, and customer review analysis in 2022.
The Basics About American Integrity Insurance Group
American Integrity offers several insurance solutions for residents of Florida, as it is the only state that offers its products.
But who owns American Integrity Insurance?
The company was founded in 2006 by CEO Robert Ritchie, who established the company due to a lack of homeowners insurance options in Florida.
Florida faces a unique situation where houses are under threat from hurricanes every year. This threat creates a challenge for insurance companies in Florida, where many have gone out of business because of highly destructive hurricane seasons.
Particularly after the 2004 hurricane season, many larger companies decided to offer less coverage for homeowners in Florida, and some completely stopped offering coverage.
In the face of adversity, Robert decided to create an insurance company specifically for Floridians that would help customers maintain homeowners policies, despite the inherent risks.
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Types of Coverage Available From American Integrity
American Integrity offers a diverse range of homeowners insurance policies. The types of policies you can get are:
- Standard homeowners insurance. This coverage is for owner-occupied single-family homes and provides the most coverage available for your dwelling. You can add additional endorsements to this standard policy and several available discounts.
- High-value home policy. American Integrity’s Premier Home Insurance is for homes valued between $750,000 to $10 million. You can personalize it to include coverage for high-value items within the home, such as jewelry and musical instruments. However, they do not offer insurance coverage for exotic pets.
- Integrity Select Policy. Designed for customers having trouble obtaining homeowners insurance due to factors like a roof older than 10 years.
- Vacant property insurance. Known as dwelling policy 3, this type of limited coverage is ideal for an investment property, a vacation home, or a rental property. Since the policy provides less coverage than a standard homeowners policy, it is also more affordable.
- Condominium insurance. Florida is well known for its condominiums which typically come with insurance coverage for only the exterior building and common areas. American Integrity has an insurance plan covering permanently attached structures and personal property for condo owners.
American Integrity offers more insurance products to suit the lifestyle of Floridians. These additional products are:
- Boater’s insurance
- Golf cart coverage
- Jet ski coverage
- Flood insurance
- Seasonal home coverage
Overall, American Integrity has highly specialized policies designed for the needs of Floridians. They do not offer auto insurance policies, but you can find an auto policy through Florida Farm Bureau Insurance.
What discounts does American Integrity offer?
The insurance company has several discounts for its customers to help save you money year-round. These discounts are:
- Accredited builder discount. This discount applies to homes built within the last five years.
- Insurance score. This discount considers your credit score, previous insurance claims, and how long you have resided in your home.
- Multi-policy discount. Bundling several policies together can snag you a considerable discount.
- Updated roof discount. The updated roof discount applies if your home is at least 15 years old and your roof has been replaced within the last 10 years.
- Protective devices. This discount applies if your home has a sprinkler system or central fire alarm installations.
- Secured community discount. The secured community discount is for homeowners who live in a gated community.
- Senior discount. This discount is available for customers 55 or older.
- Water loss prevention. This discount is available to homes inspected for plumbing damage.
Not all discounts are available with every policy, and some may be ineligible for bundling. Check with your agent to locate eligible discounts.
Online Account Access
American Integrity has a strong customer account center that offers several features for convenience through its website.
Customers can log in to their American Integrity Insurance account, review their policy, and make account changes. You can access online bill pay and make payments to American Integrity Insurance. Policyholders can also contact their agents directly through the website.
American Integrity also has an online claims center where you can file a claim and check its status. They also offer tons of information on what to expect during the claim process.
Although the company does not have an app to manage your account, they do have an app that gives policyholders access to discounts, both locally and nationally.
American Integrity Financial Strength
American Integrity is not rated by A.M. Best rating services, but A.M. Best does not have a rating of American Integrity, but Demotech has evaluated them. Demotech gives the company a financial stability rating of A, or exceptional. This financial rating is the third-highest that Demotech issues to insurance companies.
The company’s financial review report released by the National Association of Insurance Commissioners shows a strong capital surplus of $79,473,903 in 2021. The company reported a financial loss in 2020, which was likely due to the above-average hurricane season with 31 total systems.
The financial strength of an insurance company is a crucial factor to consider, as this can determine the likelihood of the company accepting and paying out customer claims.
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American Integrity Insurance Reviews
The company has several dozen reviews spanning numerous websites. There are also American Integrity Insurance reviews from the BBB(Better Business Bureau). The overall average from customer reviews is 2.0 stars.
The biggest consumer complaint is that the company has sent non-renewal notices to several homeowner policyholders despite never making any claims. Some customers believe that they insure new homes, and once a home reaches a certain age, they drop their policy.
Others have noted that several policyholders sued the company after denying claims in a previous hurricane season.
American Integrity has both positive and negative reviews. Customers have said that the agents staffed by the company are efficient and knowledgeable. Some also mentioned that the policies are affordable and there are several optional upgrades.
American Integrity Complaint Index
The complaint index report compiled by the National Association of Insurance Commissioners shows zero complaints in 2021, which is exceptional. The company had four complaints in 2020.
However, in 2019, the company accrued 318 confirmed complaints. The cause of the massive amounts of complaints that year was likely linked to a very destructive hurricane season.
Overall, American Integrity has some serious customer complaints, but this is pretty standard for an insurance company as customers tend to leave reviews when they have a bad experience.
The complaints index rising drastically during a heavy hurricane year is cause for concern since American Integrity has built a reputation for its coverage of customers living in a tropical storm zone.
American Integrity Insurance Review: Wrap up
Founded in 2006, American Integrity offers homeowners insurance specifically for Floridians that live in an active tropical storm area. The CEO created the company when other insurance companies were folding due to hurricane season damage payouts.
They offer an entire suite of insurance products, many of which are tailored to fit the Floridian lifestyle.
Despite some bumps in the road during heavy hurricane seasons, the company’s financial standing is good.
Although American Integrity Insurance has negative reviews from customers and an erratic complaint index score, the company’s overall performance seems solid. This company could be a good choice if you live in Florida and own a new home.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
|
Written by
Chris Tepedino |
|
Reviewed by
Laura Walker
|