American Integrity Expands Home Insurance in South Florida's Key Markets

American Integrity, a Florida-based home insurer, announced plans to expand its voluntary home insurance offerings into Broward and Miami-Dade counties, marking its first entry into these markets in over a decade. This expansion aligns with recent improvements in Florida's insurance market following legislative reforms in 2022 and 2023 aimed at curbing legal abuse and claim fraud that previously drove insurers away from South Florida. The tri-county area of Miami-Dade, Broward, and Palm Beach represents a significant portion of Florida's homeowner market, accounting for over 26% of the state's households, making it a valuable opportunity for insurers like American Integrity.

The insurer reported strong financial performance for the second quarter of 2025, including a 29.6% increase in gross written premiums to $287 million and adjusted net income of $31.3 million. With over 400,000 policies in force, American Integrity is now the fifth largest property insurer in Florida by policy count, underscoring its growing market presence and trust among homeowners.

Industry experts see American Integrity's market re-entry as indicative of the positive effects of Florida's insurance legislative reforms, which have restored insurer confidence and encouraged more domestic companies to write profitable business in areas that were previously considered high risk due to litigation and inflated claims. A number of other insurers have also resumed writing policies in South Florida, contributing to a more competitive insurance market that spreads risk more effectively.

While American Integrity did not specify whether its expansion includes policies obtained through depopulation efforts from Citizens Property Insurance Corp, its renewed focus on South Florida is viewed as part of a broader trend of stabilizing the state's insurance landscape. This development could prompt further market rebalancing and increased insurer participation in the region, which has been critical to addressing capacity shortages and rate volatility.

Overall, American Integrity's strategic growth in Broward and Miami-Dade counties reflects broader industry and regulatory shifts aimed at fostering a healthier Florida insurance market through risk diversification, regulatory compliance, and enhanced insurer confidence.