As part of the strategic participation in the Citizens take-out program, Tampa-based property and casualty insurance holding company, American Integrity Insurance Group, has assumed 7,087 policies from Florida’s insurer of last resort.
It marks another significant step in the carrier’s disciplined, profitable expansion strategy and underscores its position as one of the most active private-market participants in Florida’s improving insurance landscape.
American Integrity said, “This November assumption continues a series of strategic depopulations over the past two years.”
Through its assumption of policies during 2024–2025, American Integrity has transitioned nearly 100,000 homeowners back into the private market, driven by Florida’s legislative reforms.
The state’s reforms, particularly those enacted in 2022 and 2023, continue to reduce litigation, streamline claims activity, and stabilise the broader property insurance landscape.
In November 2025, during its third-quarter results, American Integrity reported gross premiums earned rising by 34.2% to $221.9 million from $165.4 million last year, while net premiums earned increased 28.5% to $52 million from $40.5 million.
According to the insurer, these increases were driven primarily by new and renewal policies written through the voluntary market.
In August 2025, the insurer, in its second-quarter results, explained that it assumed 7,372 policies from Citizens Property Insurance Corporation. Subsequent to the quarter end, American Integrity surpassed the 400,000 policies in-force milestone.
Bob Ritchie, Chief Executive Officer, American Integrity Insurance Group, commented, “Florida’s reforms restored clarity, predictability, and fairness to a market that had been destabilised by litigation abuse.
“As conditions improve, American Integrity is leaning into opportunities where we can grow responsibly, support homeowners, and demonstrate leadership in Florida’s return to a sustainable private market.”
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