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American Integrity Home Insurance Review (2023)

American Integrity is an insurance company that specializes in insuring homes, condos, and rental properties in Florida. They have a wide selection of policies, additional coverages, and discounts available to suit the needs of most Florida homeowners.

Read Time: 9 mins

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American Integrity Home Insurance Review
2.8
★ HOIC RATING
Premiums 4
Claims 1
Customer Satisfaction 1
Financial Standing 5
PROS
  • Several discounts offered
  • A wide range of products
  • Excellent financial outlook as a company
CONS
  • Only available in Florida
  • Lots of negative reviews regarding claims and customer service
  • No premium information available online

American Integrity was started in 2008 when there was a lack of home-insurance options in Florida after Hurricane Katrina. This insurer is considered one of the newer insurance companies in the Florida insurance market. American Integrity is based out of Tampa Bay, FL and they specialize in property insurance.

American Integrity offers a wide variety of different homeowners policies. From regular and manufactured homes to condos and vacation properties, American Integrity is able to help you insure virtually any property in Florida. They have recently expanded by offering cyber-security, golf cart, and flood coverage policies, as these are high-demand policies in the state of Florida.

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When shopping for homeowners insurance, you want to make sure you are making the right choice. There are several companies out there, all with different highlights that make them capable of protecting your home from risks.

Types of American Integrity homeowners insurance policies

When you first take a look at the American Integrity website, you are given several options that are suitable for all types of homeowners. They have products for owned homes, rentals, vacant properties, new construction, high-value homes, apartments, and condos. You are sure to find what you are looking for when you shop through American Integrity. Let’s take a deeper look at the policies they offer:

  • Standard homeowners insurance (HO-3): You can get a basic homeowners insurance policy and add endorsements as needed. American Integrity specializes in homeowners insurance for newer homes, as they promise great rates for these homes.
  • Premier homeowners policy for high-value homes: This policy is designed for homes valued from $750,000 up to $10 million and offers comprehensive coverage for high-value personal belongings such as jewelry, furs, artworks, musical instruments, precious metals, and collectibles. It also comes standard with an ordinance or law coverage, service line coverage, equipment breakdown coverage, identity theft coverage, home computer protection, as well as increased limits for other structures, personal property, watercraft, and personal liability.
  • Manufactured home insurance: American Integrity’s manufactured home insurance comes with dwelling, personal property, personal liability, and sinkhole coverages. More coverage types may be included depending on your coverage options and community type. You can also add screened enclosure coverage, protection for attached structures, identity theft coverage, and coverage for mechanical and electrical breakdowns.
  • Condo insurance (HO-6): Their condo policy covers permanently attached structures within the condo unit, personal property, loss of use, personal liability, and medical payments. American Integrity offers ways to save on your condo premiums if your condo is located in a single-entry or a gated community, has protective devices (security alarm or smoke alarm), or if the condo owner is a senior citizen.
  • Vacant home insurance (DP-1): this policy is designed for vacant properties, unfurnished rental homes that are not occupied by tenants, empty inherited homes, and unfurnished investment properties.
  • Integrity Select insurance for older homes (DP-3): This policy is available for homes valued from $150,000 to $1.5 million. It comes with additional living expenses coverage, worldwide personal liability, and limited water coverage for homes over 30 years old. Since roof material and condition are important for older homes in Florida, American Integrity specifies that they can insure your older home if your home has a 3-tab roof that is less than 15 years old, an arch shingle roof under 20 years old, or a metal/tile roof that is less than 20 years old.
  • Policies for rentals and seasonal properties (DP-1 and DP-3): DP-1 is a basic policy that provides dwelling coverage protection from 9 named perils. DP-3 policy offers protection against all perils except for the exclusions listed in the policy. DP-3 also comes with personal liability. Both of these policies can be used for owner-occupied or tenant-occupied properties.
  • Renters insurance (HO-4): They also offer renters insurance for tenants.

If you are looking to get a quote through American Integrity, they encourage customers to contact a local agent. This is where you would find more detailed coverage information about what is included with a standard homeowners insurance policy through the company.

American Integrity homeowners insurance discounts

American Integrity strives to provide customers with several ways to save money. They offer a variety of discounts that can be applied. If you are in the military, a discount is offered right away. They also reward customers for having water loss prevention devices installed.

Since they have so many products, it is no surprise that American Integrity offers a bundle discount. If you obtain a homeowners policy and one additional policy, you can bundle your coverage to save money. 

They have a special 20% discount that they refer to as “binding arbitration.” In addition, if you are going through arbitration, the insurer will pay for the fees associated with the process and meet with you and the arbitrator to set an expedited hearing date.

Some of their other discounts provided are more standard if these apply to your home:

  • Burglar alarms
  • Fire alarms
  • Newer roof
  • Gated community
  • Limited access community
  • Senior/retiree discount
Homeowners Insurance Cost Calculator

Additional coverages available from American Integrity

If you are looking to get more than the basic level of coverage, American Integrity has you covered. They offer endorsements that are applicable to Florida residents. Since the weather is a big concern, you can choose to obtain a flood policy through American Integrity. They claim that their flood insurance is cheaper and has higher limits than the one you can get from NFIP (National Flood Insurance Program). You can also add coverage for service lines that run under your home.

They offer protection for your home systems and coverage for cyber threats that can arise. They also sell umbrella policies, which cover all of your base policies to provide an extra high liability limit. These policies are typically sold with coverage at a $1MM limit or higher.

When you are looking for the most comprehensive coverage, you can even bundle all of the endorsements to get the ultimate level of protection. It appears American Integrity allows customers to personalize their homeowners insurance policies to their liking.

American Integrity homeowners insurance premiums

There is no way to determine how much a homeowners insurance policy costs compared to average rates in Florida, but customer reviews advise that the premiums are low. This is especially true when you qualify for the several discounts provided. Many customers stated they did not find any lower premiums when shopping around.

It is thought that the price will vary since American Integrity does have so many different products that you might want to add to your policy. While doing so, the company seems to have a focus on saving you money because of all the ways they promise to help you save on your insurance.

American Integrity claims reviews

The reviews regarding the way American Integrity handles claims are concerning. There are many negative reviews from customers who have been through hurricanes stating that the company did not cover any costs to fix their homes. Several people are upset by this and do not recommend the company.

Other customers report that American Integrity does not handle their claims in a timely manner. Some have waited weeks, even months, to hear back from the insurer. This has left many people feeling frustrated and like they do not have the protection they were originally promised when they signed up.

American Integrity’s customer service

The reviews discussing how American Integrity handles customer service are also mainly negative. Customers complain that they take a long time to get back in touch when there are questions or when help is needed. This leaves people feeling like they do not know what to do next.

The overall conclusion from reading the reviews is that people do not like the way they are treated when they choose American Integrity. The products offer a lot of benefits, but the customer service does not match. People are unable to get help when they need it most.

American Integrity’s financial strength

BBB

Through the Better Business Bureau, American Integrity holds an A+ rating. This is the highest rating and showcases the company’s superior financial strength. They have 88 closed complaints on record in the last three years.

Demotech

American Integrity has also earned a superior A rating through Demotech. This highlights the company’s excellent financial stability and promising outlook for stability in the future. They appear very stable in this area.

The verdict

American Integrity is an insurance company that serves Floridians. They offer a wide range of different policies for every kind of house, owned or rented. It appears they prefer to insure homes that are newer and even provide discounts for having a newer home.

If you are looking for other ways to save money on a homeowners policy, American Integrity offers this in abundance. They have a large list of discounts that are easy to qualify for. People have reported that American Integrity’s premiums are low and often beat other rates from competitors.

Additional coverage is also available through the insurer. If you want to get an additional policy or an endorsement to further protect your home, American Integrity gives you this option. They allow customers to create their own policies to ensure the highest level of protection.

When it comes to handling claims, American Integrity misses the mark. They have countless negative reviews online from unhappy customers who have been made to pay for damages to their homes on their own. Even those who have been through catastrophic losses from hurricanes were unable to get claims paid or get a timely response from the company.

Their customer service is also lacking. Many people find the company to be unhelpful and not great with communication. This is concerning because they seem to provide a lot of different insurance products to many different residents of Florida.

As a company, they are very financially stable. They have received great ratings from ranking websites online and appear to have a steady outlook for the future. Overall, the lack of professionalism when handling claims and customer service is off-putting despite the coverage they provide homeowners.

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ABOUT AUTHOR
Kristen Nadel has worked as an insurance agent for 4 years and has an extensive background in writing homeowners insurance content. She is also a published author residing in Oklahoma. Her creative spirit and tenacity for excellence allow her to stay inspired. Writing is more than just a task to her — it is a lifelong passion.
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