American Integrity Insurance Group Reports 58.2% Increase in Net Premiums for Q2 2026

American Integrity Insurance Group, Inc. reported significant financial growth in its latest quarterly filing, with net premiums earned reaching $104.7 million for the three months ended June 30, 2026, a 58.2% increase from $66.2 million in the same period last year. The company’s gross premiums written also rose by 13.8%, totaling $326.6 million compared to $287.0 million in the prior year. This growth is attributed to an increase in policies written through the Voluntary Market, which accounted for 73.2% of the company’s in-force premium as of June 30, 2026.

The company’s total revenues for the second quarter of 2026 were $115.2 million, up from $74.5 million in the same quarter of 2025. This increase was driven by higher net investment income, which rose to $6.2 million from $4.8 million, and a notable increase in policy fees. However, the company also faced increased expenses, with total expenses rising to $68.7 million from $50.4 million, primarily due to higher losses and loss adjustment expenses, which increased by 56.5% to $33.2 million.

In terms of operational metrics, American Integrity's loss ratio remained stable at 30.6% for the second quarter, while the expense ratio improved significantly to 32.8% from 42.3% in the previous year. The combined ratio, a key indicator of underwriting profitability, decreased to 63.4% from 72.9%, indicating improved operational efficiency. The company’s return on equity for the quarter was 38.7%, down from 45.1% a year earlier, reflecting the impact of increased average shareholders' equity following its initial public offering (IPO).

Strategically, American Integrity has expanded its geographic footprint, now offering insurance in Florida, South Carolina, Georgia, and North Carolina. The company has also reduced its non-catastrophe quota share reinsurance arrangement from 40% to 25%, which has impacted its expense ratios and overall profitability. The company’s total assets increased to $1.6 billion as of June 30, 2026, up from $1.2 billion at the end of 2025, driven by higher cash and cash equivalents and increased premiums receivable.

Looking ahead, American Integrity anticipates continued growth in its premium writings and operational efficiency, although it acknowledges potential challenges from market conditions and regulatory changes. The company remains focused on maintaining a conservative financial position while pursuing opportunities for profitable underwriting in the evolving insurance landscape.