American Integrity Insurance Company focuses exclusively on residential property and related specialty liability products within the Florida and South Carolina markets. As of 2026, they do not offer or sell personal auto insurance policies. Consumers seeking vehicle coverage must utilize different carriers or consult independent agents to coordinate separate policies for their automotive needs.
The Florida insurance landscape is famously complex, characterized by high risks related to weather events and a unique regulatory environment. Many domestic carriers in the state have chosen a "specialist" path rather than a "generalist" one. American Integrity Insurance Group (AIIG) is a prime example of this strategic choice. By specializing in property insurance, they focus their capital and underwriting expertise on protecting homes, condos, and manufactured housing, leaving the high-frequency, high-litigation world of Florida auto insurance to other providers.
The Strategic Focus of American Integrity Insurance Company
Founded in 2006 and headquartered in Tampa, Florida, American Integrity was established during a period of significant volatility in the Florida insurance market. Following the hyper-active 2004 and 2005 hurricane seasons, many national carriers reduced their presence in the state. American Integrity stepped in to provide much-needed capacity for homeowners.
Their business model is built on the philosophy that residential property risk requires a dedicated focus. Auto insurance and homeowners insurance are fundamentally different actuarial sciences. Auto insurance deals with high-frequency claims—fender benders, windshield cracks, and frequent liability disputes. Homeowners insurance, conversely, deals with lower-frequency but much higher-severity events, such as hurricane damage, fires, or total losses.
By remaining a "property-only" or "property-centric" carrier, American Integrity avoids the volatility associated with the Florida auto market, which is often plagued by high rates of uninsured motorists and complex Personal Injury Protection (PIP) litigation. This specialization allows them to tailor their claims departments and adjusters specifically to residential construction and property repair, rather than automotive mechanics and medical claim processing.
Why Florida Carriers Often Separate Property and Auto
In many other states, a consumer can walk into a local office and get a "bundle" that covers their house, their car, and their life insurance all under one company's paper. In Florida, the "multi-line" model is less common among domestic (state-based) companies. There are several technical and financial reasons for this separation in 2026.
Risk Concentration and Capital Requirements
Insurance companies must maintain a certain amount of surplus capital to pay claims. If a company sells both home and auto insurance, a single catastrophic event—like a major hurricane—could result in claims on both fronts simultaneously. A homeowner might lose their roof and have both cars crushed by falling trees or flooded by storm surges. By focusing only on the home, American Integrity manages its risk concentration more tightly, ensuring that its capital is dedicated solely to property restoration.
Reinsurance Market Dynamics
Property insurers rely heavily on "reinsurance"—insurance for insurance companies. The global reinsurance market evaluates property risk (wind, flood, fire) differently than casualty risk (auto accidents, bodily injury). A company that sticks to a single niche often finds it easier to secure favorable reinsurance terms because its risk profile is predictable and transparent to global reinsurers.
Regulatory and Legislative Hurdles
Florida's legislative environment for auto insurance is distinct from its property insurance laws. While recent reforms like Senate Bill 2A (2022) and subsequent updates in 2024 and 2025 have aimed to stabilize the property market, the auto market operates under a different set of statutes regarding "No-Fault" insurance and PIP. Navigating both sets of regulations requires immense legal and administrative overhead, which smaller or mid-sized domestic carriers often find inefficient.
Comprehensive List of What American Integrity DOES Offer
While you cannot get a car insurance policy through American Integrity, the company provides an extensive array of property-related products. Understanding what they cover helps clarify the boundary where their protection ends and an auto policy must begin.
Residential Property Lines
- Homeowners (HO-3): The standard policy for owner-occupied single-family homes, covering the structure, personal property, and liability.
- Condominium (HO-6): Specifically designed for "walls-in" coverage for condo owners, addressing the portions of the unit the owner is responsible for under their association agreement.
- Renters (HO-4): Coverage for personal belongings and liability for those who do not own the dwelling.
- Manufactured Home: American Integrity is one of the leading providers for mobile and manufactured homes in Florida, a segment often ignored by national carriers.
- Dwelling Fire (DP-3): Coverage for non-owner-occupied properties, such as rental homes or seasonal residences.
Specialty Add-ons and Endorsements
Even though they don't do auto, they offer specialty products that sometimes overlap with "lifestyle" vehicles:
- Golf Cart Coverage: In many Florida retirement communities, golf carts are primary modes of transportation. American Integrity offers specific coverage for these, which can be added to a homeowners policy.
- Watercraft Coverage: Protection for small boats and jet skis, providing liability and physical damage coverage.
- Umbrella Insurance: This provides excess liability coverage. It is important to note that while an American Integrity Umbrella policy can provide an extra layer of protection, it usually requires you to have an underlying auto policy with a different carrier that meets specific minimum liability limits.
The Role of the Independent Agent in the Absence of "Bundling"
Since American Integrity does not sell auto insurance, you might worry about losing the "multi-policy discount" common with companies like State Farm or Progressive. However, American Integrity operates through a network of Independent Insurance Agents.
Independent agents represent multiple insurance companies rather than just one. When you work with an independent agent, they can place your home insurance with American Integrity (because they may have the best rates or coverage for your specific Florida ZIP code) and place your auto insurance with a company like Progressive, Travelers, or Geico.
The agent essentially "manufactures" a bundle for you. While you might receive two separate bills, the agent can often find "companion policy" discounts or use their knowledge of the market to ensure your total premium is lower than what a single multi-line carrier would offer.
Managing the Coverage Gap
The primary risk when using two different companies for home and auto is the "liability gap." If an accident occurs that spans both—for example, you accidentally hit your own garage door with your car—you will deal with two different claims departments. Your auto insurance covers the damage to the vehicle, while your American Integrity property policy covers the damage to the garage door. An independent agent ensures that both policies are structured so that there are no "holes" in your protection.
Comparison: American Integrity vs. Multi-Line National Carriers
To help decide if a specialized property carrier is right for you, consider how American Integrity compares to generalist carriers in the 2026 market.
| Feature | American Integrity (Specialist) | National Multi-Line (Generalist) |
|---|---|---|
| Auto Insurance | Not Offered | Available |
| Home Insurance | Primary Focus (FL/SC) | Secondary Focus in High-Risk Zones |
| Bundling Method | Via Independent Agent | Direct "On-Paper" Bundle |
| Claims Expertise | Residential/Catastrophe Experts | Broad/General Claims Handling |
| Availability | Available in most Florida ZIPs | Often restricted in coastal/high-risk areas |
| Billing | Separate Property Invoice | Unified Billing possible |
| Specialty Vehicles | Golf Carts & Watercraft only | Full Automotive, RV, & Motorcycle |
Identifying the "Vehicle" Confusion: Golf Carts vs. Autos
One reason consumers often believe American Integrity sells auto insurance is their robust Golf Cart program. In Florida, the line between a golf cart and an automobile can be thin, especially with the rise of "Street Legal" Low-Speed Vehicles (LSVs).
It is crucial to understand the distinction:
- Standard Golf Carts: These are covered by American Integrity. They are generally not registered with the DMV and are used on golf courses or within private communities.
- Low-Speed Vehicles (LSVs): These have VINs and are registered with the state. While American Integrity may offer coverage for some specialized transport, most LSVs that require a license plate must be insured on a policy that complies with Florida's financial responsibility laws for motor vehicles.
- Passenger Automobiles: American Integrity strictly does not cover cars, trucks, or vans meant for highway use.
If you own an LSV or a modified golf cart, you must clarify with your agent whether the American Integrity endorsement satisfies the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) requirements or if you need a standard auto policy.
Frequently Asked Questions
Can I get a discount on my American Integrity home policy if I have auto insurance elsewhere?
While American Integrity does not have its own auto product to bundle with, many independent agents can apply "companion interest" or "agency-level" discounts if you have multiple lines of business through their office. Additionally, American Integrity offers various other discounts—such as those for fire alarms, water leak detection systems, and wind mitigation—that often offset the lack of a traditional auto bundle discount.
Does an American Integrity Umbrella policy cover my car?
An American Integrity Personal Umbrella Policy (PUP) provides an extra layer of liability protection over your primary policies. This means if you are sued for a major auto accident, the Umbrella policy can pay out after your auto insurance limits are exhausted. However, to qualify for this, American Integrity requires that you maintain a separate auto insurance policy with another company that has high liability limits (usually $250,000/$500,000). The Umbrella policy does not replace your auto insurance; it sits on top of it.
Why doesn't American Integrity expand into the auto market?
Expanding into auto insurance requires a different type of infrastructure, including a network of preferred repair shops, different actuarial models, and significant capital to satisfy state regulators. By staying focused on property, American Integrity maintains its "A" (Unsurpassed) Financial Stability Rating from Demotech, which is vital for Florida homeowners who need to ensure their carrier can survive a major hurricane season.
If I have a claim involving my car and my house, who do I call?
You would need to file two separate claims. You would contact your auto insurance carrier for the damage to your vehicle and American Integrity for the damage to your home. If you have an independent agent, your first call should be to them; they will coordinate the communication between both companies to ensure the claims process moves smoothly.
Does American Integrity cover motorcycles or RVs?
No. Much like their stance on auto insurance, American Integrity does not offer policies for motorcycles, RVs, or trailers. These are considered motor vehicles and fall under the casualty/auto category. You will need to seek coverage through a specialized power-sports insurer or a traditional multi-line carrier.
Practical Recommendation for Florida Residents
If you are a Florida resident looking for comprehensive protection, the most effective strategy is to utilize American Integrity for your residential property (especially if you have a traditional home, condo, or manufactured home) while working with an independent agent to source your auto insurance.
Do not assume that a "one-stop shop" carrier is always cheaper or better. In the 2026 Florida market, specialized carriers like American Integrity often provide more robust property coverage and better claims service for hurricane-related events than national brands that may be looking to limit their exposure in the state. Confirm your liability limits with your agent to ensure that if you do add an Umbrella policy from American Integrity, your third-party auto insurance meets the necessary "underlying limit" requirements to avoid a gap in coverage.
