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 presents itself as a residential property-focused carrier serving the Southeast, with consumer-facing product guidance rather than a detailed public underwriting appetite manual. Verified official materials show active operations in Florida, Georgia, South Carolina, and North Carolina, with a stated focus on residential property insurance and specialty personal lines. Preferred business appears to be owner-occupied and other personal residential property risks, including standard homeowners, condos, high-value homes, older homes, new construction, manufactured homes, renters, flood, golf cart, landlord, and secondary/seasonal dwellings. The website also confirms watercraft/boat quote capability and highlights Florida-specific solutions, including a basic-coverage ValueGuard product for homes and condos oriented to essential perils such as wind and fire. Geographic notes: products vary by state, and not all coverage types are available in all states; Florida is the most prominently described market, with additional residential offerings across GA, SC, and NC. Restricted/declined classes are not clearly published on a public appetite or underwriting bulletin page, so there is no verified public list of ineligible occupancies, protection classes, age limits, roof rules, or binding restrictions from the current official pages reviewed. Submission/producer guidance available publicly is limited: business is distributed through vetted agents, and the carrier states its agents must complete an extensive vetting process, be in good standing with the Office of Insurance Regulation, and understand regional homeowner exposures. For agency operations, American Integrity publicly lists Agency Management support for new voluntary appointments, licensing, incentives, E&O, address/email changes, Ivans download, commissions, agency transaction questions, and buy/sell matters. Agents can request appointment through the public 'Become An Agent' page, and existing agents are directed to Guidewire/InsuranceNow and Wright Flood login resources. Operationally, use this carrier for Southeastern personal residential property placements, especially Florida homes and related specialty property risks, but obtain exact eligibility, underwriting thresholds, and state-specific restrictions directly through agent resources or underwriting contacts because no current public appetite guide equivalent to the older 2016 hints PDF was verified.