What happened with AII today?
No read yet
Uses news and trading volume to explain the day’s move and how it relates to the market.
Stop guessing. Get the call, a three-month target price, the best and worst cases, and a source for every claim.
American Integrity Insurance Group provides homeowners, condominium owners and landlords with property insurance through American Integrity Insurance Company. Almost all its business is in Florida. Policyholders pay premiums for coverage, and the company selects the properties it will insure, sets prices and handles claims. Most premium business comes from customers choosing coverage in the open market, with independent agents its largest source of new policies. It also takes over a substantial minority of its business from Citizens Property Insurance Corporation, Florida’s insurer of last resort, accepting policies only when they meet its risk and profitability standards.
The company pays reinsurers part of its premiums to share ordinary claims and protect against large catastrophe losses. Premiums remaining after reinsurance supply most revenue; it also earns investment income by investing funds held before claims are paid, mainly in investment-grade bonds and cash. Reinsurance does not remove its obligation to pay policyholders if a reinsurer fails to pay.
Profitability depends on charging enough to cover claims, operating costs and reinsurance, particularly given its concentration in hurricane-exposed Florida. Reinsurance cost and availability affect how much business it can support. State regulators approve rates and policy forms, while capital requirements limit how much insurance it can write.
The risk section is the longest, dullest part of the filing. This keeps only what can really hurt you: where it hits, how hard, when it plays out.
Every company claims an edge. Each one is checked against hard numbers like margins and returns: which hold, and which line gives way first.
American Integrity’s results hinge on Florida storm losses, reinsurance terms and homeowners pricing; Citizens Property Insurance Corporation also provides a significant but selective source of policy growth.
Universal Insurance Holdings competes with American Integrity for homeowners’ insurance premiums, including in Florida, so both face the same pressures from pricing, hurricane losses and reinsurance costs. Watch Universal’s homeowners underwriting profit—premiums earned less claims and operating costs—for a read on the profitability of that business.
Heritage Insurance Holdings competes with American Integrity for homeowners’ premiums in Florida and other southeastern states, with both exposed to hurricane losses and catastrophe reinsurance costs. Watch how Heritage prices and selects residential properties: its underwriting weighs home location, policy concentrations and reinsurance costs.
American Coastal Insurance Corporation and American Integrity share exposure to Florida property catastrophes and the cost and availability of reinsurance, though their paying customers differ. American Coastal’s storm claims on condominium associations and apartment buildings offer a comparison with American Integrity’s mainly individual-home business, not a direct match.
American Integrity pays Arch Capital’s Arch Reinsurance Ltd to take on part of its insured losses, making Arch a provider of protection rather than a homeowners competitor. At December 31, 2025, American Integrity had $15.243 million recoverable from Arch Reinsurance Ltd; payment matters because American Integrity still owes policyholders if a reinsurer fails to pay.
UNIVERSAL INSURANCE HLDG, INC. earningsUVE
Universal's report will show how claims and reinsurance costs are affecting the Florida homeowners business that competes with American Integrity.
Look at Universal's homeowners underwriting profit: what remains from premiums earned after claims and operating costs. Stronger profit would show that a Florida competitor can better cover those costs; weaker profit would point to greater pressure. The companies do not have identical books, so Universal's result is a comparison, not American Integrity's result.
Fed Interest Rate Decision
For American Integrity, the Fed’s decision on its benchmark interest rate matters because changes in rates can lower income as investments mature and are replaced at lower yields, or reduce the value of its available-for-sale bonds.
Expected4.0%Last release4.0%
If it comes in above expectations
Higher rates can reduce the value of American Integrity’s available-for-sale bonds; if rates stay higher as investments mature, replacement investments may earn more, supporting investment income.
If it comes in below expectations
Lower rates can support the value of American Integrity’s available-for-sale bonds, but as investments mature, replacing them at lower yields may reduce investment income.
American Coastal Insurance Corporation earningsACIC
American Coastal's report will show whether catastrophe claims and reinsurance costs are also pressuring the Florida property-insurance environment American Integrity faces.
Look at American Coastal's catastrophe claims and reinsurance costs. Lighter claims and cost pressure would indicate a less strained environment for its condominium and apartment-property business; heavier pressure could flag rising burdens in Florida property insurance for American Integrity to watch. The companies insure different property types, so this is a signal, not a like-for-like result.
American Integrity Insurance Group, Inc. earningsThis company
American Integrity's report will show whether growth in residential property premiums is being offset by claims and operating costs, especially in Florida.
Read premiums earned and policy fees alongside claims and operating expenses. The combined ratio measures claims and expenses against those premiums and fees; below 100% means underwriting is profitable. Growing premiums with a falling ratio would show that added business is not costing underwriting profit; growing premiums with a rising ratio would show claims or expenses consuming more of the income, weakening the profitability of that growth.
