Total insured value is the combined dollar amount an insurance policy (or group of policies) covers for all assets, calculated as the cost to replace or repair everything insured at current prices. Think of it like the total sticker price for everything under a homeowner’s policy; for investors it signals how large a company’s potential insured loss could be, influences premium and reinsurance needs, and helps judge whether coverage and reserve levels are adequate to protect the balance sheet.
tivfinancial
Total Insured Value (TIV) is the combined replacement cost or insured amount of all properties, assets and exposures covered under an insurance program. For investors, TIV shows the scale of what is at risk and how much insurance would need to pay to rebuild or replace those assets after a loss — like knowing the insured value of everything in a house to estimate potential recovery after a disaster. Changes in TIV can affect a company’s insurance costs, risk profile and potential balance-sheet exposure.
ho3technical
HO-3 is the most common standard homeowners insurance policy that protects the structure of a house against all causes of damage except those specifically excluded, while personal belongings are covered only for listed causes like theft or fire. Think of it as a broad "everything unless banned" shield for the building and a checklist-based shield for belongings; investors watch HO-3 exposure because its scope of coverage influences an insurer’s potential claims, pricing power, and sensitivity to natural disasters or property market swings.
dwelling firetechnical
A dwelling fire is a blaze that damages or destroys a home or other residential building. For investors, it matters because such fires can trigger insurance claims, repair or replacement costs, and temporary loss of rental income—similar to a sudden, unexpected expense for a household—which can affect insurers, property owners, mortgage lenders and real estate investors by changing cash flows and risk profiles.
protection classtechnical
A protection class is a category used by insurers, regulators or lenders to group an asset, property or policy according to the level of risk and the coverage or safeguards required. It matters to investors because the class often drives insurance costs, required capital, and potential liability—similar to a safety rating for a car: a higher protection class usually means lower risk and lower ongoing costs, while a lower class can increase expenses and exposure.
central station alarm systemstechnical
Central station alarm systems are security setups where sensors at a property send alerts to a professionally staffed remote monitoring center that verifies alarms and dispatches emergency responders or the property owner as needed. For investors, these systems matter because they create ongoing service revenue, require reliable infrastructure and certifications, and can affect customer retention and liability—similar to subscribing to a 24/7 emergency dispatcher that protects physical assets.
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TAMPA, Fla.--(BUSINESS WIRE)--
American Integrity Insurance Group (NYSE: AII) (“American Integrity,” “we,” “us,” “our” or the “Company”), a Tampa-based property and casualty insurance holding company and one of Florida’s leading providers of residential property insurance, today announced an expansion of its high-value home insurance capacity, increasing the maximum total insured value (“TIV”) per property from $12 million to $15 million.
This expansion reflects the strength of American Integrity’s underwriting platform, leveraging data-driven risk selection and deep market experience to selectively scale into the growing high-net-worth segment while maintaining a disciplined approach to profitability.
The expanded capacity applies across all four states where American Integrity currently writes business—Florida, Georgia, North Carolina, and South Carolina—and is available for HO3 (homeowners) and DP3 (dwelling fire) products.
“Our ability to expand into higher-value homes starts with underwriting discipline—our ability to consistently select, price, and manage risk at a high level,” said Jon Ritchie, President. “We’re not simply increasing capacity, we’re selectively moving up-market with risks that meet our standards. We believe that discipline, combined with our deep market experience and strong agent relationships, positions us to win in the high-value segment while maintaining long-term profitability. Our reinsurance relationships support that strategy, but they are not the driver of it.”
The expanded eligibility to $15 million TIV is subject to underwriting guidelines. Properties classified as Protection Class 8B, 9, or 10, as well as homes without central station alarm systems, are not eligible for this program.
This targeted expansion reflects the Company’s continued focus on disciplined, profitable growth in higher-value segments.
Forward-Looking Statements
Certain statements in this press release may be forward-looking statements. All statements other than statements of historical facts may be forward-looking statements. Forward-looking statements are neither historical facts nor assurances of future performance, and are based only on our current beliefs, expectations and assumptions regarding the future of our business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of our control. Therefore, you should not rely on any of these forward-looking statements. Please refer to the risks discussed in sections titled “Risk Factors” in our reports filed with the Securities and Exchange Commission for further information on risks we may face. New risks emerge from time to time. It is not possible for our management to predict all risks, nor can we assess the impact of all factors on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements we may make. In light of these risks, uncertainties, and assumptions, the future events and trends discussed may not occur and actual results could differ materially and adversely from those anticipated or implied in the forward-looking statements.
About American Integrity Insurance Group, Inc.
American Integrity Insurance Group, Inc. (NYSE: AII) is a leading provider of residential property insurance, focused on delivering innovative, reliable coverage to homeowners throughout the Southeast. Built on a foundation of integrity, resilience, and service, the Company’s mission is to be the most trusted and responsive insurance solution in the markets it serves. Founded in 2006 and headquartered in Tampa, American Integrity is committed to protecting policyholders with strength and purpose—today and for generations to come. For more information, visit www.aii.com.
