---
schema_version: "secwatch.filing_event.v1"
accession: "0001401521-24-000003"
form_type: "8-K"
ticker: "ACIC"
cik: "0001401521"
company_name: "AMERICAN COASTAL INSURANCE Corp"
filed_at: "2024-01-09T23:59:59+00:00"
generated_at: "2026-06-07T01:24:53.959720+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# ACIC renews AOP CAT reinsurance with $100M limit; cost down 9.24%, coverage up 70.3%

## Summary
- Effective Jan 1, 2024, ACIC renewed AOP CAT providing up to $100M limit excess of $10M per occurrence.
- Cost approx $9.9M, down 9.24% YoY on risk-adjusted basis; retention increased to $12.25M per occurrence.
- Aggregate coverage of $172M for first and second events, up 70.3% YoY (increase of $71M).
- Coverage excludes named windstorms and earthquakes; wholly owned subsidiary UPC Re participates.

## SEC filing metadata
- accession: 0001401521-24-000003
- form_type: 8-K
- ticker: ACIC
- cik: 0001401521
- company_name: AMERICAN COASTAL INSURANCE Corp
- filed_at: 2024-01-09T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1401521/000140152124000003/0001401521-24-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1401521/000140152124000003/uihc-20240109.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001401521-24-000003
- JSON: https://secwatch.observer/filing/0001401521-24-000003.json
- Plain text: https://secwatch.observer/filing/0001401521-24-000003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.