American Integrity Insurance Group, Inc., the Tampa-based property and casualty insurance holding company, recorded $220 million in gross premiums written for the first quarter of 2026. That marked a 3.7% increase from $212.2 million in the prior-year quarter, with the company crediting the improvement to stronger activity in its Voluntary Market business, including both new policies and renewals.
Premium-related earnings also moved higher during the quarter. Gross premiums earned rose 9.8% to $230.8 million from $210.2 million, while net premiums earned advanced 25.7% to $82.2 million compared with $65.4 million a year earlier. In addition, net investment income climbed to $5.7 million, up from $4.1 million, supported by a larger invested asset base tied to increased in-force premiums and proceeds generated from the company’s IPO.
Quarterly Revenue and Profitability Snapshot
Total revenue for Q1 2026 reached $90.9 million, representing a 26.5% increase from $71.9 million in the same quarter of 2025. Despite that revenue growth, profitability metrics reflected higher claims and operating costs. The company posted a 75.0% combined ratio, compared with 42.9% in the first quarter of the previous year.
Losses and loss adjustment expenses increased 52.1% to $31.7 million, up from $20.9 million. The loss ratio rose to 37.3% from 30.9%, which the company said was influenced by the Citizens take-out windfall effect on net premiums earned in the prior-year period. The expense ratio also moved significantly higher, reaching 37.6% versus 12.0% a year earlier.
Net income available to common shareholders came in at $19.9 million, down 47.7% from $35.9 million in Q1 2025.
Policy Growth and Strategic Expansion
As of March 31, 2026, American Integrity reported 437,308 policies in-force, an increase of 14.1% from 383,332 one year earlier. This expansion reflects continuing momentum in the company’s core operations and broadening market reach.
Chief Executive Officer Robert Ritchie said the company delivered a strong opening to 2026, with results increasingly supported by voluntary production that offers a more durable and repeatable platform for future growth. He also pointed to progress across several strategic initiatives, including re-entry into the Tri-County market, renewed expansion into the middle-aged home segment, and the early-stage development of a commercial residential product.
Ritchie emphasized that the company remains focused on disciplined execution, underwriting quality, and a balanced reinsurance structure. He added that, with a strong balance sheet and multiple growth avenues, American Integrity believes it is positioned to generate consistent and profitable growth over time.
