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American Integrity Insurance Company Review 2020



  US Privacy Insurance Logo

A Review of Mutual US Privacy Insurance 2021.

How Covid-19 Has Affected US Privacy Insurance

American Integrity Insurance moved to a 100% remote work environment and purchased all personal protective equipment (PP) required to visit customers.

They were also officially honored by being ranked in the top two places on the Tampa Bay Times Top Workplaces 2021

. Employee treatment was cited, which included free counseling and help with anxiety, burnout and health problems.

New Products or Changes

Partly due to Covid-19 restrictions, they announced a new partnership with Cape Analytics. This real estate intelligence company enables remote assessment of properties and expansion of their insurance capacity.

American Integrity Insurance In The News

At the national level, American Integrity Insurance took first place for 2021 in the Energages Top Workplaces USA Award .

"It was a legal attempt to keep our employees engaged and maintain our corporate culture while working remotely to ensure our safety," said Angie Quinn Senior Vice President.

2021 Latest US Privacy Insurance Reviews

Reviews on BBB and Clearinsurance contain several complaints and reviews from customers who cannot get their discounts and experience long periods without contact from the company. Yelp reviews also include complaints about sending unsolicited messages.

ALL FLORIDA RESIDENTS CALL, Are you considering buying insurance from American Integrity Insurance?

If you own a home in Florida, you know there are some risks involved.

Protecting your home and valuables is extremely important which means it it is important that you have the right coverage .

… but how can you be sure that American Integrity Insurance is the right company for you?

You can start by reading this post – the most comprehensive of all American Integrity Insurance Reviews!

About American Integrity Insurance Group (AIIG)

American Integrity, is a serious challenger in the insurance market . They specialize in Florida homeowners insurance, not to mention various other products – but that's not all!

They also offer discounts galore!

So this insurance company might just be perfect for you and your family! Or there may be better choices!

Before we go into the meat of this review, I will share some background information.

"There were three Category 4 landfalls over a period of 26 days: Harvey, Irma and Maria. For that matter, the previous three occurred over a period of 56 years, "Rappaport said on Wednesday at the National Hurricane Conference at the Hilton Orlando. Broken records, remarkable statistics made the 2017 hurricane season for the history books, Florida Today

  American Integrity Insurance Logo American Integrity Insurance Group aka AIIG was founded in 2006.

They have made a name for themselves as homeowners insurance providers in the state of Florida .

Let's face it, with increasing natural disasters, Florida is a tough place to own a home in recent years. Unfortunately, there are many stories of people who have lost their homes and do not have the right insurance to cover their expenses.

But do not be afraid! American Integrity Insurance was formed in response to the lack of solid home insurance options in Florida.

… AND as you will see, American Integrity Insurance Company has a good selection of products AND discounts . So let's dig in to see if they fit you!

AIIG rating

Financial ratings are important!

They give you an idea of ​​how strong the foundation is for the life insurance company you choose.

This is VERY important because you want them to be solvents when you make a claim.

So what about American privacy insurance?

Demotech vem?

Well … none of the big guns like AM Best, have given American Integrity Insurance Company a financial rating

You can load what you like.

Frankly, this is not a shining gold star for American Integrity Insurance. In my humble opinion, the official stamp of approval from the well-known credit rating agencies is quite meaningful. After all, you're getting into a long-term relationship with these guys!

However, they received an A rating from Demotech. Hmmmm … . You can also load what you like.

… and before you get too excited about that A rating – this is the third highest rating they give out. So it could have been better despite the description of excellent.

Another more conservative credit rating company, Weiss, gave them a "D" rating as early as 2014. Which means they thought their financial stability was WEAK. The thing is – it's hard to find a VERY stable business in Florida because of the nature of the beast.

Demotech, Inc. was founded in 1985 and is a financial analysis company in Columbus, Ohio. Demotech has served the insurance industry by providing accurate and proven financial stability assessments ® (FSR) as well as consulting services for real estate and accident insurance companies and title guarantees. -Demotech.com

Products

Premier Homeowners Insurance

American Integrity Insurance is best known for its homeowners insurance offer.

Their Premier Plan covers homes worth $ 750,000- $ 10 million.

Hmmm, it's pretty clear that you have to be pretty good by if you're considering this plan for your home insurance needs.

The Premier Plan covers personal property such as jewelery, furs, art, musical instruments, cutlery or gold as well as collections of coins or stamps.

The Premier Plan covers the following at no extra cost:

New building codes? No problem! Regulation or legal coverage insures you against 50% of the cost of following

  • Repairs to your carport, pool and screen cover. American Integrity Insurance Offers Higher Coverage Limits Than Its Competitors

Higher Coverage for Independent Structures, Personal Property, Jet Ski, Personal Liability and More

Identity Recovery Coverage: You Get a Restoration Case to Help You Quickly Take Control of Your Identity [19659027] Service Line Protection: Covers repairs to underground pipes and conduits that provide services such as water, power, data and communication to your home

Computer Security in Home

Home Systems Protection covers repairs or replacement when home systems and equipment break down.

Wow! All this AND …

Concierge Service

American Integrity Insurance offers all advanced policyholders access to their concierge service. You also get pretty amazing benefits!

  • Your Own Customer Service Representative
  • Preferred Contractor Program for Complaints and Home Renovations
  • Custom Inspections, including Portfolio
  • This inspection is uploaded to an online inventory tool called MyHomeWorks. com

Florida Homeowners Insurance (HO-3)

American Integrity Insurance also offers traditional homeowners insurance for those who fall outside the Premier coverage category.

American Integrity insurance offers a wide range of coverage and access to significant discounts (which I will discuss in detail below).

Here's what you get with a standard policy for American Integrity Homeowners:

  • Increased Personal Property Coverage
  • Coverage for loss of money, securities, jet skis, trailers, jewelry, furs, firearms, silver, commercial real estate and off premises
  • fire department service fee
  • credit card loss
  • personal liability
  • Medical payments
  • Liability for personal watercraft
  • Damage to other people's property
  • Loss of use coverage

Co-operative insurance (HO-6) ] So we touched on American Integrity Homeowners Insurance, but let's be honest here … this is Florida we're talking about. Lots of residents live in apartments. Fortunately, American Integrity Insurance also has apartment insurance!

Apartment insurance covers the following:

  • Permanently connected structures
  • Loss of use
  • Medical payments

If this coverage does not & # 39; t do it for you, you still have the option to add any of the extra protection options I mentioned above because they are the same as the homeowner's policy.

If you are looking for a cheaper homeowner / apartment insurance, check out the "X-Wind " policy.

WARNING: This policy does not cover damage due to wind, tornadoes, hail and hurricanes. Ummmmm. Yes. Fair warning … you roll the dice if you choose this option because this is Florida after all.

… but that's not all! American Integrity Insurance also has a large selection of supplements . If you feel that their regular homeowners' coverage leaves too many loopholes, you can go above and beyond!

Additional coverage for home and unit holders

If you feel you need additional coverage, American Integrity Insurance has a large selection of add-ons that you can purchase to supplement your policy:

Bundled Coverage Endorsements

Choose from a selection of package claims that offer additional protection that includes higher limits for selected coverage. They offer three different levels of protection: Silver, gold and diamond

Home system protection

Covers the cost of compensating or repairing damage caused by system malfunctions in the home, ie. electrical or mechanical accidents or problems.

Service line insurance

As a homeowner, you are financially responsible for repairing service lines to your home, such as underground lines and cables. This insurance covers these costs.

Identity Theft Insurance

Prevents you from paying thousands of dollars to have your identity restored.

Flood insurance

Most people do not realize how expensive a flood can be. With this protection, your property and its contents are covered for floods, storms, hurricanes and heavy rains.
… but what if you do not own a "traditional" home. American Privacy Insurance also thought of that angle!

Made home

Do you know the homes that are built in a factory, transported on the road and then dropped off at a location? That process has always amazed me. However, these buildings are known as manufactured homes. American Integrity Insurance offers specialized coverage to protect the following:

  • Physical stay
  • Personal belongings
  • Personal liability
  • Sinkhole coverage

You can also purchase additional coverage for the following:

  • Screen covers
  • Attached structures
  • Mechanical / electrical breakdown
  • Identity theft

What happens if you own a property and rent it out? American Integrity Insurance thought of that too! They insure landlords whether they rent a property or NOT.

Yep, even if you do not rent your space – you are still responsible for accidents that occur on your property!

Rental or vacancy insurance

These are two different types of policies designed specifically to cover vacant or rented accommodation.

The first policy is called Bostadsfastighet 1 (DP-1) and it is created for people who want to protect houses that are vacant. Let's be real … vacant houses are extremely vulnerable to robberies, fires and other disasters.

Thankfully, the DP-1 policy includes:

  • Vandalism
  • Squatters
  • Thieves
  • Lightning
  • 19659080] Fire
  • Water Leakage

NOTE: You can also use DP-1 coverage if you have a rental property and have a very tight budget, but it will not be comprehensive.

But if you own a rented house, there are different risks. This is why American Integrity Insurance offers the Dwelling Property 3 (DP-3) policy. It is also called rental insurance or landlord insurance.

If you are a senior you can also get discounts which I will discuss more below.

Tenant Policy

Ok, you are a tenant who is worried about fires, theft and other events that could ruin your belongings. No problem! American Integrity Insurance has the coverage for you.

A tenant policy protects:

Personal property: Covers clothing, furniture and other belongings from $ 10,000 – $ 250,000.

Personal Liability Coverage: If you are legally liable for personal injury or property damage, the Basic Policy protects up to $ 100,000, but you can add coverage up to $ 300,000.

American Integrity Insurance prides itself on flexibility in tenant policy. For example, if you change homes, you can actually keep the same policy as long as your new home is qualified. There are also some deductible options, including:

  • All other risks deductible and
  • Hurricane Deductible

Additional protection for tenants

But wait … there's more! You can add the following if you feel you need additional coverage:

  • Scheduled personal property: Additional protection for valuables such as jewelry, art, antiques and more. [19659080] Identity Restoration: Covers costs for restoring your identity.
  • Cost of replacement of personal property: Protect your belongings without depreciation.
  • Self-storage facilities: Increased coverage for personal belongings.
  • Home computer: $ 1,000 – 20,000 in computer and / or equipment replacement costs.

NOTE: American Integrity Insurance is the only one. companies in the state that offer these last two statements!

  • Assisted Living Care: For qualified foreign relatives who often stay in a relief worker.
  • Cyber ​​Shelter: Up to $ 25,000 coverage from cyber attacks and scams.

Golf Cart Insurance

You know we're talking about a Florida insurance provider when they offer a special insurance only for golf carts!

Nothing is more relaxing than cruising around a beautiful golf course, but that does not mean that disaster can not strike.

Their policies include:

  • Liability coverage: Up to $ 500,000 in coverage if you are liable for damage or injury
  • Medical payment: Up to $ 10,000 in cover
  • Uninsured / underinsured motorist: If you end up in an accident with someone who does not have the insurance to pay you for damages that occurred in an accident
  • Collision coverage: Covers your golf cart in the event of an accident
  • "Other than" Collision coverage: Protects your golf cart from losses caused by fire, theft, flood or vandalism

Additional coverage for golfers

There is also a pairs of additional coverage options available for this policy:

    • Helmets and safety clothing: Up to $ 1500 in loss coverage for helmets / safety clothing worn in the golf cart
    • Accessories: Cover for extra equipment installed in a golf cart

    Additional discounts for golfers

    Although I will discuss discounts in more detail below, t here are savings that only applies to golf car insurance . Let's take a look now!

    • Golf Card Safety Course: If you have completed this safety course in the last three years you will receive a discount
    • Multi-Vehicle Discount: If you insure several carriages you will save some money on each insurance
    • Personal liability: Eligible for this discount if you have a solid history of financial responsibility and driving experience [19659080] Previous insurance discount: Discount available if you keep your golf car insurance in good condition in 6 months or more
    • Renewal discount: Discount applied after you renew your insurance

    Flood insurance

    I briefly mentioned flood insurance in connection with the homeowner's insurance above. Well, it's such a unique product that I thought it needed its own description.

    American Integrity Insurance is 15% lower than those available through the National Flood Insurance Program!

    Wow! In addition, there is no waiting time for protection to take effect.

    They are also certified by the Florida Office of Insurance Regulation. Which means that their coverage is at least as wide as that offered by NFIP.

    You can thank flood insurance to your:

    1. Homeowners Policy (HO3)
    2. Condo (HO6) policy
    3. Rental, seasonal or vacant properties (DP-1 or DP-3)

    Having a view of the water can be a paradise, but Roger Barlow remembers how he felt last summer when Hurricane Irma erupted in southwest Florida. "They predicted three feet of water on the street that meant 3 feet in the house," Barlow says. While he is lucky, the increase was not as bad as it could have been, but he wanted to prepare by buying flood insurance. He pays about $ 400 to insure his home in Cape Coral. He thought it would be the same for his house in North Fort Myers. "They quoted me for $ 1,932 for a year. I was in shock, says Barlow. Flow Insurance Rate Rises Due to Natural Disasters in Florida, NBC 2

    Umbrella Insurance

    For added protection, you can also purchase umbrella insurance from American Integrity Insurance.

    Their base plan provides coverage from $ 1 M – $ 5 million . This will help protect all your assets. This insurance covers the gaps of traditional homeowners, health and car insurance.

    The good news is – it's much cheaper than you might think!

    Discounts

    Last but not least, we can not ignore American Integrity Insurance's wide range of discounts . You may have seen some of these mentioned above.

    Simply put, there are lots of ways for you to save money on a US privacy insurance.

    If you qualify for any of the after discounts, you take a good chunk of the price of your insurance premiums:

    • Accredited Builder: Homes Built in the Last Five the years should qualify.
    • Insurance Points: If you have a solid credit, financial history and if you have lived in your home for a long time, your insurance points should enable you to qualify for this discount
    • Hardie Plank or Hardie Board Siding: This discount is given to those who have this mark of material at home
    • Multi-Program discount: If you have more than one policy with American Integrity, you will be rewarded with lower premiums on your homeowner policy! [19659080] Proof of updates: This discount is reserved for houses that have updated their electrical, plumbing, roof and heating / air conditioning systems at some point in the last five years
    • Proof of updates ( Roof only): For homes 15+ years that have replaced roofing materials in the last ten years
    • Protective equipment: Not only do these fire and burglar alarms protect your home and family, but they can also save some money on your homeowner's policy
    • Secure Community: If you live in a gated community or in an area with limited access, you should qualify
    • Senior Discount: 55 years or older? American Integrity Insurance will take care of you!
    • Water Loss Prevention: Check your plumbing to ensure it is healthy and rewarded!

    Wow! It's a pretty good selection don't you think?

    Quote Process

    Hmmm! I was very excited when I saw that you can get an instant quote! Yep – armed with nothing but a zip code, I had to answer two questions:

    1. I was the homeowner
    2. Is my place more than 75 years old

    Easy-going, right?

    No.

    Every Florida zip code I entered came with the same message. That the area is not serviced by the American Integrity Insurance Company.

    Here is the message I received when I used an Orlando zip code: 32789

    "Sorry, your area does not receive service"

    Whomp, whomp.

    The interesting part is when I dialed the same zip code to find an agent, the system was filled with a lot of choices . Soooo … yes, in theory … an instant quote rocks.

    Unfortunately, the system did not work for me in reality.

    NOTE: Direct quotes only work for home and apartment listings – that is, if it works at all! Otherwise, you must contact an agent.

    Which inevitably leads me to …

    ALWAYS consult an independent insurance agent! They have access to DOZENS of life insurance companies. You have nothing to lose and EVERYTHING to gain. Why not let them do the leg work! A little competition will NEVER hurt anyone and will probably give you better prices. Chris Huntley, Huntley Wealth

    Claims Process

    American Integrity Insurance offers two ways to claim:

    1. Online
    2. Call their 24-hour claims line

    They also have a team of local adjusters, ready to deal with the onslaught of claims when a hurricane hit Florida. This is a BIG benefit.

    I also love the fact that you can get the wheels of your claim directly in motion.

    Customer Service

    As with MANY insurance companies, this is not one of their strongest points.

    … and unfortunately some of the US Privacy Customer Service Reviews are absolutely awful!

    But to be fair, it's not the whole story. It's a mixed bag, but I really would not choose American Integrity Insurance based on their online reviews.

    This 4-star review is the exception rather than the rule. Unfortunately, I could find far too many 1, 2 and 3 star reviews to say that customers seem satisfied with the service they receive.

    Benefits

    No American Integrity Insurance Company of Florida review would be complete without the good stuff – and here it is:

    • Wide selection of homeowners insurance
    • Comprehensive discounts
    • Comprehensive and affordable flood insurance without waiting
    • Golf Cart Insurance (Great If You Golf)
    • Claims PROCESS

    There is really a lot to like about this little gem from an insurance company in Florida.

    That being said, make sure you finish the item before purchasing insurance. It's not all sauce.

    Wide range of home related products

    If you are looking for home insurance in the Florida area this may be the company you have been looking for. They have a very nice selection of property related insurance. It's even better if you follow the Premier's policy. Who does not want concierge service?

    Flood Insurance

    Floods sucker. Nothing ifs, ands, or buts about it. So if you live in an area like Florida, and it's likely that a hurricane will hit – you really need it. So why not go for a cost effective solution?

    … and there is no waiting time for your coverage to start immediately!

    Golf carts

    Do you have a golf cart? Then American Integrity Insurance is the company for YOU!

    Statements

    Predicting when an accident occurs is like trying to predict the Florida weather. It's easier said than done!

    Fortunately, you can apply 24 hours a day with American Integrity Insurance. Their claim application is open 24 hours a day so you can get help as soon as possible.

    In addition, you have the opportunity to report claims online when it suits you. Trust me, many insurance companies do NOT make a claim so quickly and easily.

    Discounts

    Last but not least, we can not ignore American Integrity Insurance & # 39 ;s many discounts! They really provide many ways to save money.

    Disadvantages

    I can not continue to talk about the good things without warning you about potential problems.

    To be fair, every supplier has room for improvement! American Privacy Insurance is NOT an exception.

    • Financial stability (I'm on the fence here)
    • Customer service and satisfaction
    • Quotation process
    • Claim resolution

    Financial strength [19659054] There is no doubt about it – financial strength is one of the most important factors to consider when deciding on an insurance company.

    Especially when it's household insurance … in Florida . With hurricanes, strong winds and floods, it is important to know that your supplier has financial support to pay claims.

    In addition, it will give you some peace of mind to know that your company will maintain stability for several years

    Unlike some of its competitors, American Integrity Insurance has not received any financial strength from agencies such as AM Best. They also received only the 3rd best rating from Demotech – a rating company that is not as well known. And the word on the street is that Weiss gave them a "D" rating – which is weak.

    … but again this is FLORIDA. It is difficult to get an excellent financial rating in this state.

    This leaves some room for doubt in my mind. Will this fairly new company pay out if I make a claim?

    … BUT complete information – they have a large reinsurance program. In other words, they are insured by other companies. Therefore, even if your home is completely destroyed, your costs would be covered.

    Customer Service Reviews

    It's pretty easy to find out where a company is missing. All you need to do is read some online reviews to see what problems policyholders have.

    The most common complaint is related to American Integrity customer service. Unfortunately, many policyholders have had trouble getting their problems ready due to poor support. This includes difficulty in reaching a representative and inability to solve problems.

    Statements

    On a similar note, we must talk about their statements. Now I know that we also make demands on the professionals, but that was due to the availability and the ease of submitting a demand . When it comes to handling claims, however, several people have had problems.

    It seems that their dissolution process could be smoother.

    Citat

    Att jämföra offert är ett av de bästa sätten att spara pengar på en försäkring. Numera gör de flesta företag att få en offert snabbt och enkelt. Till exempel erbjuder American Integrity Insurance omedelbara online-offertar på deras webbplats.

    Yay!

    Eller … kanske inte …

    Jag kunde inte generera en offert eftersom ingen av Floridas postnummer Jag valde att arbeta.

    Du måste också kontakta en agent direkt om du vill ha offert på något utanför lägenhets- och husägarförsäkringarna.

    The Bottom Line

    Så om du har läst American Integrity Customer Service recensioner Jag slår vad om att du undrar vad som är slutresultatet.

    I slutet av dagen är American Integrity Insurance ett NYTT företag.

    De vill ge ett bra alternativ till Florida invånare, som har plågats av naturkatastrofer.

    MEN – om du vill försäkra ditt hem har de ett utmärkt urval av produkter som täcker din egendom OCH tillhörigheter.

    Deras erbjudande kan vara ännu mer tilltalande för er som har ett hus som värderas över $ 750 K eftersom deras Premierplan har några mycket fina förmåner.

    Allt detta åt sidan, om du letar efter finansiell stabilitet i gamla skolor – som i – en poäng från Moody's eller AM Best …

    Jo, American Integrity Insurance kommer inte att göra det.

    Även om du letar efter STOR kundservice, när det gäller dagliga problem eller påståenden – skulle jag personligen söka någon annanstans.

    Även om jag tycker att American Integrity Insurance är ett MYCKET bra företag, Jag skulle få några konkurrenskraftiga offert. Why not call an independent insurance agent TODAY.

    What do you have to lose? Except for a few dollars off your premiums. You could also gain a relationship with a company that you ENJOY dealing with.

    *While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.


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