American Integrity Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
American Integrity currently markets itself primarily as a Southeast personal-lines carrier with home-focused products in Florida, Georgia, South Carolina, and North Carolina, and watercraft availability shown in Florida. For Florida home business, the public product pages indicate appetite for new construction homes up to 5 years old, homes 6+ years old, high-valued homes with stated values from $750,000 to $10 million, condos, manufactured homes, renters, and ValueGuard basic property coverage; the broader Florida insurance page also references secondary/seasonal dwellings including vacation, vacant, short-term rental, and seasonal rental property risks. Optional or companion coverages highlighted include private flood, cyber/identity theft for high-valued homes, and golf cart. Watercraft appetite shown publicly includes boats and personal watercraft up to 32 feet, specifically including sailboats, bass boats, pontoons, Jet Skis, and WaveRunners, with hull, liability, or both, plus optional mechanical breakdown, commercial towing, and Bahamas cruising coverage. Geographic notes: carrier website states service across FL, GA, SC, and NC; South Florida appointment page specifically says it is open for business in Broward, Miami-Dade, and Palm Beach counties, with capacity/eligibility varying by location and risk, and offers HO-3, HO-6, HO-4, and DP-1/ValueGuard there. Submission/producer guidance is mostly agent-facing rather than a public appetite guide: agents are directed to Guidewire/InsuranceNow and Wright Flood via Agent Resources, and the Agent Portal is described as the hub for underwriting capacity guidelines, forms, manuals, and training, suggesting the detailed underwriting rules are behind login. Publicly visible service instructions show policy management at 866-968-8390 option 4, underwriting at option 6 in the Who-To-Call guide, and underwriting handles eligibility/coverage inquiries, how-to-write questions, loss history, no prior/lapse, and flood inquiries. For Citizens depopulation/limited-appointment agents, American Integrity notes take-out policies appear in InsuranceNow only 45 days before renewal, pre-renewal changes must go through Citizens, limited appointments cannot quote or bind voluntary business, take-out Choice policies are ineligible for product endorsements including flood, and interested agents must complete a separate appointment form for voluntary authority. No public official page was found listing a full decline list or detailed hard-stop underwriting prohibitions; those specifics appear to reside in the authenticated agent portal/underwriting capacity materials rather than open-web content.