American Integrity Insurance Group Review & Complaints: Home, Dwelling Fire, Condo, Flood Insurance (2024)

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One of many recent entrants into the Florida homeowner’s insurance market, American Integrity tries to differentiate itself by promising to live up to its name. Voted the best place in Tampa Bay to work, in 2014, the company aims to take care of customers as well as it does its employees. While most people do tend to focus on cost when looking into home or auto insurance, a lot of customers will also look into consumer reports and how a company treats their employees.

If you’re looking for a standard homeowners insurance policy, chances are you’re wanting the security of a company that will be there when you need them the most. Damages done to your home can be incredibly stressful no matter the reason why it’s happened. Getting that stability and peace of mind means not only focusing on price, but customer complaints, customer reviews, and employee experiences as well.

Naturally, coverage limits and prices make the list of things to pay attention to as well. Make sure you get the best rates out there in order to have a decent insurance experience. There is a wide range of insurers out there, which means comparison shopping is a great place to start your search for a new or different insurance company. Enter your ZIP code into our free tool and start comparing today.

What is American Integrity?

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. The company sells its policies through independent agents. American Integrity is one of many insurance companies that 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.

What insurance products are offered?

The company writes several types of coverage for homeowners in Florida, from higher value homes to manufactured homes.

Can I get home insurance?

The company’s standard homeowner’s insurance covers replacement costs 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

Can I get identity theft 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.

The company 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.

Can I get dwelling fire coverage?

American Integrity offers two levels of Dwelling Fire coverage, a more limited form of home coverage that is often known as the 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.

Can I get manufactured home coverage?

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.

Can I get condo insurance?

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.

Can I get flood insurance?

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). There is no waiting time for the flood insurance to go into effect and the company 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.

Is cyber coverage available?

One of the first companies in the nation to offer such a product, cyber protection coverage is becoming an increasingly necessary insurance coverage. Currently only available with the renter’s insurance product, the insurer offers up to $25,000 for those who experience cyber attacks, cyber extortion events, or online fraud events.

Are American Integrity insurance rates affordable?

The company is relatively small, 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.

The insurer 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.

Claims Process With American Integrity Insurance Group

Ease of Filing a Claim

Filing a claim with American Integrity Insurance Group is designed to be a straightforward and hassle-free process. Policyholders enjoy a range of convenient options for initiating a claim, ensuring flexibility and accessibility.

They can easily file a claim online through the user-friendly platform, make a quick call to the dedicated claims department, or leverage the mobile app for a seamless experience. This variety of choices empowers policyholders to select the method that aligns best with their preferences and needs.

Average Claim Processing Time

In times of unexpected events or emergencies, the efficiency of claim processing becomes paramount. American Integrity Insurance Group understands the urgency associated with such situations and is committed to providing swift resolutions.

This will delve into the specifics of the average claim processing time, offering policyholders a clear understanding of what to expect in terms of the duration it takes for their claims to be thoroughly assessed and resolved. Timely information about processing times is invaluable to policyholders seeking quick and effective solutions.

Customer Feedback on Claim Resolutions and Payouts

The experiences of policyholders during claim resolutions and payout processes are pivotal indicators of an insurance company’s performance. American Integrity Insurance Group places a strong emphasis on meeting and exceeding policyholders’ expectations during these crucial moments.

We will provide a comprehensive overview of customer feedback, shedding light on their satisfaction levels and the company’s unwavering commitment to delivering fair, transparent, and timely claim resolutions. The insights shared here aim to help potential and existing policyholders make informed decisions based on the real experiences of their peers.

Digital and Technological Features at American Integrity Insurance Group

Mobile App Features and Functionality

American Integrity Insurance Group’s mobile app stands as a cornerstone of their commitment to enhancing the overall insurance experience for policyholders. This section will offer an in-depth exploration of the app’s features and functionality.

From simplified policy management to intuitive claims tracking and other valuable resources, the mobile app equips policyholders with the tools they need to navigate their insurance matters efficiently, all while on the move. The app empowers users with the flexibility to manage their policies seamlessly, ensuring that insurance remains a convenient and accessible aspect of their lives.

Online Account Management Capabilities

In today’s digital landscape, online account management has become a fundamental component of the insurance industry. American Integrity Insurance Group recognizes the significance of this feature and offers a robust online portal for policyholders. In this section, we will delve into the specific capabilities available through this portal.

From policy management to payment processing and access to essential information, the online account management platform equips customers with the means to efficiently oversee their insurance policies.

Digital Tools and Resources

Beyond the core insurance products and services, American Integrity Insurance Group goes the extra mile by offering a range of digital tools and resources. These digital assets are designed to empower policyholders with valuable information and aids that enable them to make informed decisions.

This will shine a spotlight on these supplementary digital offerings, which may include educational resources, interactive calculators, and other utilities aimed at enriching the overall customer experience.

Are there consumer complaints against the company?

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 the company 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 about American Integrity in the fourth quarter of 2016. This is the most recent data available. That is a complaint ratio of 1:4,833, or one complaint per every 4,833 policies American Integrity has in force. The ratio is a little on the higher side for a company this size.

What is the company’s financial strength rating?

What’s the bottom line?

American Integrity Insurance Company is a recent entrant into the property and casualty market in Florida, helping to fill a void left by 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. The company’s reputation as a good employer lends strength to the reputation they are looking to build with Florida homeowners.