Integrity Insurance: Protecting What Matters Most

am integrity insurance

American Integrity Insurance is a Florida-only residential property insurance company that was established in 2006 by its President and CEO, Robert Ritchie. The company is headquartered in Tampa, Florida, and has 10 locations across the state. American Integrity Insurance provides home insurance solutions to Florida residents, including vacant home insurance, condo insurance, and manufactured home insurance. The company is committed to providing reliable and customer-centric insurance services and has a strong focus on giving back to the community.

Characteristics Values
Company type Premier Southeast regional insurance company
Specialization Residential property insurance
Location Tampa, Florida
Number of locations 10
License number P102857
License issuer Department of Insurance
License expiration date 10/31/2026
Additional license number 03700
Additional license issuer Florida Office of Insurance Regulation
Founding year 2006
Founder Robert Ritchie
President & CEO Robert Ritchie
COO Jonathon Ritchie
Vice President of Marketing Toni Logan
Company culture Integrity, commitment, teamwork, humility, passion, and fun
Partner KCC

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American Integrity Insurance Company of Florida

American Integrity Insurance is committed to providing homeowners in Florida, Georgia, and South Carolina with sound and comprehensive insurance coverage. The company offers traditional and high-value homeowners insurance, condo insurance, and special coverage for vacant homes, rental properties, and manufactured homes. They also provide policies for those who need less coverage or are renting out their homes. Additionally, they offer extra protection, including flood insurance, identity theft protection, and equipment breakdown coverage.

The company has over 300,000 customers and is exclusively represented by more than 1,000 independent agents specializing in the complex and ever-evolving market. American Integrity Insurance is comprised of over 240 insurance professionals, most of whom work in their Tampa-area headquarters. The company has consistently been recognized as a Top Place to Work in Tampa by the Tampa Bay Times and a Best Place to Work in Insurance by Business Insurance magazine.

American Integrity Insurance places a strong emphasis on integrity, commitment, teamwork, humility, passion, and fun. They also prioritize doing the right thing each day and strive to be a valued partner to their policyholders, agents, and community. The company has a license number of 03700, issued by the Florida Office of Insurance Regulation.

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Home insurance

American Integrity Insurance is a Florida-based company that provides home insurance to residents in Florida, Georgia, and South Carolina. The company was established in 2006 by Robert "Bob" Ritchie, who sought to address the shortage of sound home insurance options in Florida. American Integrity Insurance offers a comprehensive suite of insurance products catering to the diverse needs of homeowners and businesses. Their range of products includes traditional homeowners' insurance, condo insurance, and specialized coverage for various scenarios.

For homeowners, American Integrity Insurance provides standard coverage options, as well as high-value homeowners' insurance for those with more substantial protection requirements. They also offer insurance for vacant homes, addressing risks such as vandalism, theft, and weather damage, which is particularly relevant for owners with properties between tenants or those undergoing renovations. Additionally, the company provides coverage for manufactured homes, recognizing the unique challenges faced by these homeowners.

American Integrity Insurance also extends its services to condominium owners. Their condo insurance is tailored to the specific needs of condo owners, including protection for personal property, liability coverage, and structural coverage for portions of the building that are the owner's responsibility as outlined by the condo association's bylaws.

Recognizing the importance of comprehensive protection, American Integrity Insurance offers additional coverage options to address a broad range of concerns. This includes flood insurance, addressing the risks associated with Florida's propensity for flooding. They also provide identity theft protection, safeguarding customers against the potential financial and reputational fallout from identity-related crimes. Furthermore, the company offers equipment breakdown coverage, ensuring that homeowners can promptly address any issues with their essential home systems and appliances.

American Integrity Insurance is committed to delivering an exceptional customer experience. They strive to be a valued partner to their policyholders, agents, and the communities they serve. The company has received mixed reviews, with some customers praising their professionalism and dedication, while others have expressed dissatisfaction with claim response times and payout amounts. Nevertheless, American Integrity Insurance remains a significant provider in the competitive Florida insurance market, providing specialized insurance solutions tailored to the unique challenges faced by residents in the region.

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Vacant home insurance

The eligibility criteria for vacant home insurance can vary. Eligible dwellings can include single-family homes, condominiums, townhouses, duplexes, triplexes, and fourplexes. These properties may be awaiting sale or undergoing renovations, as long as they are well-kept and in good repair. Anchored mobile homes or those on a permanent foundation may also be eligible. On the other hand, structures that are going to be demolished are unlikely to be covered. It's important to consult with an insurance agent to determine eligibility and specific coverage details.

When considering vacant home insurance, it's recommended to start by contacting your current homeowners' insurance provider, as they may offer an add-on or endorsement to your existing policy. However, it's also worth shopping around and comparing quotes from different providers, as coverage and rates can vary. Additionally, policy duration minimums differ, with some companies offering policies in 3- or 6-month increments, while others only provide 12-month policies.

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Condo insurance

American Integrity Insurance Company, founded in 2006, is a Florida-based home and property insurance carrier. It offers a wide range of insurance products, including condo insurance.

The condo insurance provided by American Integrity is tailored to meet the specific needs of condominium owners. This includes protection for personal property, liability, and certain portions of the building that are the owner's responsibility as outlined by the condo association's bylaws. This insurance also covers various types of watercraft, including boats, jet skis, and other recreational vessels. It protects against physical damage to the watercraft and any liability for injuries or property damage caused by the watercraft.

American Integrity's condo insurance also includes coverage for personal possessions, loss of use, personal liability, and medical payments. Additionally, they offer endorsements for home systems protection, covering repairs or replacement for certain home systems like central air conditioning or water heaters.

American Integrity has received mixed customer feedback. While some praise the company for its professional and friendly service, others have criticised the company for its responsiveness to claims, with some customers experiencing delays and evasiveness in the claims process.

American Integrity is committed to providing comprehensive insurance coverage and an exceptional customer experience. With a strong reinsurance program, the company aims to be a stable and reliable choice for Florida customers seeking home insurance.

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Identity theft protection

American Integrity Insurance is a specialist in residential property insurance based in Tampa, Florida. While the company does not seem to offer identity theft protection services, such services are available from other companies.

Another example is Aura, which checks Dark Web sites, data broker lists, public records, and new account records to look for your name, Social Security number, address, and other identifying information. Aura also includes a password manager, antivirus software, and a VPN. Identity theft insurance through Aura provides financial reimbursement for expenses incurred while recovering from identity theft, including stolen funds reimbursement and personal expense compensation for legal fees, travel fees, and time-off work reimbursement.

If you choose not to use an identity theft protection service, it is important to regularly check your credit reports, bank statements, and credit card statements for any signs of fraud or unfamiliar activity. You can also place a credit freeze to prevent anyone from opening a new line of credit in your name and secure your mail, including pre-approved credit offers, tax forms, and W-2s. Additionally, you can use two-factor authentication on your sensitive accounts, such as email and social media, to add an extra layer of security.

Frequently asked questions

American Integrity Insurance is a Florida-only residential property insurance company that was established in 2006.

American Integrity Insurance is located in Tampa, Florida, and has 10 locations across the state.

American Integrity Insurance is open Monday to Friday.

American Integrity Insurance offers various types of home insurance, including vacant home insurance, condo insurance, and manufactured home insurance. They also provide identity theft protection and fire insurance.

American Integrity Insurance upholds six core values: integrity, commitment, teamwork, humility, passion, and fun. They aim to provide reliable and customer-centric insurance solutions to Florida residents.

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