8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuantto Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) May 29, 2025

American Integrity Insurance Group, Inc.

(Exact name of registrant as specified in its charter)

Registrant’s telephone number, including area code: (813)880-7000

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

Securities registered pursuant to Section 12(b) of the Act:

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b–2 of the Securities Exchange Act of 1934 (§240.12b–2 of this chapter).

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

Item 7.01 Regulation FD Disclosure.

On May 29, 2025, American Integrity Insurance Group, Inc. (the “Company”) issued a press release concerning the reinsurance program for its insurance subsidiary, American Integrity Insurance Company of Florida, Inc. (“AIICFL”).

A copy of the press release is furnished with this Current Report on Form 8-K as Exhibit 99.1 and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly set forth in such filing.

Item 8.01 Other Events.

On May 29, 2025, the Company announced that it fully placed its 2025-2026 indemnity based, catastrophe excess-of-loss reinsurance program for its insurance subsidiary, AIICFL, which is effective as of June 1, 2025.

Key points of the 2025-2026 catastrophe reinsurance program include:

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

EX-99.1

Exhibit 99.1

American Integrity Insurance Group, Inc. Announces Full

Placement of 2025-2026 CAT XOL Reinsurance Program

TAMPA, Fla., May 29^th^, 2025 (GLOBE NEWSWIRE) — American Integrity Insurance Group, Inc. (NYSE: AII) (“American Integrity” or the “Company”), a Tampa-based property and casualty insurance holding company, announced today that it has fully placed its 2025-2026 indemnity based, catastrophe excess-of-loss reinsurance program for its insurance subsidiary, American Integrity Insurance Company of Florida, Inc. (“AIICFL”), which is effective as of June 1, 2025.

Robert Ritchie, CEO of American Integrity, commented, “I am pleased to announce the successful completion of our 2025-2026 catastrophe excess of loss reinsurance program. Due to the significant growth in premium and exposure we have experienced in the past year due to our robust voluntary writings and our participation in the fourth quarter 2024 and 2025 Citizens take-out programs, we have increased our reinsurance limit by $799 million to $2.59 billion. The placement is a combination of protection provided by traditional reinsurers, Insurance Linked Securities (“ILS”) investors, the Florida Hurricane Cat Fund and our captive reinsurer.”

Key points of the 2025-2026 catastrophe reinsurance program include:

Jon Ritchie, President of American Integrity, commented, “We are grateful for the ongoing support of the global catastrophe reinsurance community, who have been essential to Florida’s ability to withstand multiple catastrophic events in recent years.”

About American Integrity Insurance Group, Inc.

American Integrity Insurance Group is one of Florida’s leading providers of residential property insurance, proudly serving more than 383,000 policyholders. Headquartered in Tampa, Florida, the Company continues to set the standard in the industry by empowering homeowners and fostering a culture defined by integrity, resilience, and excellence.

Company Contact:

Ben Lurie, CFO

American Integrity Insurance Group, Inc.

Tel (813) 551-1014

blurie@aii.com

Forward-Looking Statements

This press release contains forward-looking statements. All statements other than statements of historical facts contained in this press release may be forward-looking statements. This release includes forward-looking statements relating to our 2025-2026 catastrophe reinsurance program. In some cases, you can identify forward-looking statements by terms such as “anticipates,” “believes,” “contemplates,” “continue,” “could,” “estimates,” “expects,” “intends,” “may,” “plans,” “potential,” “predicts,” “projects,” “should,” “targets,” “will,” “would” or the negative of these terms or other similar expressions. Accordingly, we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions, and uncertainties that are difficult to predict. Although we believe that the expectations reflected in these

forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. The risks and uncertainties that could cause our actual results to differ from those expressed or implied herein include, but are not limited to, our ability to write new policies and renew existing ones; our ability to maintain adequate reinsurance programs; legal and regulatory developments in the state of Florida; weather conditions (including the severity and frequency of hurricanes, convective storms, tornadoes, tropical storms, sinkholes, windstorms, hailstorms and other severe weather events); our strategy, expected outcomes, and growth prospects; trends in our operations, industry, and markets; our future profitability, indebtedness, liquidity, access to capital, and financial condition; dependence on investment income and the composition of our investment portfolio; the effects of seasonal trends on our results of operations; the increased expenses associated with being a public company; our ability to remain in compliance with extensive laws and regulations that apply to our business and operations; and other matters described from time to time by us in our filings with the Securities and Exchange Commission, including, but not limited to, those discussed in our prospectus, dated May 7, 2025 filed with the Securities and Exchange Commission pursuant to Rule 424(b) under the Securities Act of 1933, as amended, on May 8, 2025. New risks emerge from time to time. These forward-looking statements are based only on information currently available to us, speak only as of the date hereof and are subject to business and economic risks. We do not undertake any obligation to update or revise the forward-looking statements to reflect events that occur or circumstances that exist after the date on which such statements were made, except to the extent required by law.