---
schema_version: "secwatch.filing_event.v1"
accession: "0001401521-24-000087"
form_type: "8-K"
ticker: "ACIC"
cik: "0001401521"
company_name: "AMERICAN COASTAL INSURANCE Corp"
filed_at: "2024-05-29T23:59:59+00:00"
generated_at: "2026-06-01T07:38:22.981102+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# American Coastal renews catastrophe reinsurance; AmCoastal limit up 10%, cost down 8.5%

## Summary
- AmCoastal purchased $1.454B occurrence limit (+10% from $1.322B) covering Florida windstorms.
- AmCoastal first event retention rose to $20.5M (AmCoastal $10M + captive $10.5M, vs $2.3M captive previously).
- AmCoastal total program cost $208.2M, down $19.3M (8.5%) from prior year.
- IIC catastrophe limit $82.5M (+1%), aggregate limit $165M (+44.7%); cost $8.2M, down 9.7%.
- AmCoastal placed external 20% quota share with A+ rated unaffiliated reinsurer.

## SEC filing metadata
- accession: 0001401521-24-000087
- form_type: 8-K
- ticker: ACIC
- cik: 0001401521
- company_name: AMERICAN COASTAL INSURANCE Corp
- filed_at: 2024-05-29T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1401521/000140152124000087/0001401521-24-000087-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1401521/000140152124000087/uihc-20240529.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001401521-24-000087
- JSON: https://secwatch.observer/filing/0001401521-24-000087.json
- Plain text: https://secwatch.observer/filing/0001401521-24-000087.txt

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