American Integrity Insurance Group Reports Fiscal Year 2025 Financial Results

**American Integrity Insurance Group Reports Fiscal Year 2025 Results**

American Integrity Insurance Group, Inc. (AII), a Florida-based residential property insurer, today released its financial results for the fiscal year ended December 31, 2025. The company reported gross premiums written of $944.6 million, a 23.1% increase compared to $767.7 million in the previous fiscal year. Net premiums earned totaled $242.9 million, up 33.4% from $182.1 million in 2024. The company's net income for the year was $99.6 million, a significant increase from $39.7 million in the prior year.

The company's financial performance was influenced by several key factors. A notable driver was the strategic participation in Citizens Property Insurance Corporation's take-out program, which contributed to the growth in both gross premiums written and earned. Additionally, the company benefited from new policies written through the Voluntary Market, where it directly underwrites and sells residential property insurance. These positive developments were partially offset by increased ceded premiums earned, reflecting the cost of reinsurance coverage.

Operationally, American Integrity saw its policies in-force increase to 421,866 as of December 31, 2025, representing an 18.5% rise from 356,108 in the previous year. This growth was attributed to both new policies written in the Voluntary Market and policies assumed from Citizens. The company's multi-channel distribution strategy, encompassing independent insurance agents, national insurance carriers, and homebuilder-affiliated agents, played a crucial role in expanding its reach and market share. The company also reduced its Non-Catastrophe Quota Share Reinsurance (NCQSR) arrangements from 40% in 2025 to 25% for the 2026 fiscal year, allowing it to retain more of the premiums it underwrites.

Looking ahead, American Integrity plans to capitalize on regulatory reforms in Florida to pursue new business opportunities and broaden its risk appetite. The company also intends to continue investing in data and technology to enhance decision-making and strengthen its competitive advantages. While the company is not contractually obligated to pay regular cash dividends on its Common Stock, the Board of Directors declared a special cash dividend of $1.02 per share of Common Stock payable on March 30, 2026 to stockholders of record at the close of business on March 16, 2026. The aggregate amount of the payment to be made in connection with this special cash dividend will be approximately $20 million, and the company plans to pay such dividend using cash on hand. The company will continue to selectively assume policies from Citizens, although it anticipates a decrease in the number of policies assumed in the future.