---
schema_version: "secwatch.filing_event.v1"
accession: "0001401521-25-000003"
form_type: "8-K"
ticker: "ACIC"
cik: "0001401521"
company_name: "AMERICAN COASTAL INSURANCE Corp"
filed_at: "2025-01-07T23:59:59+00:00"
generated_at: "2026-05-28T08:12:47.196479+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# ACIC renews AOP CAT reinsurance with lower costs and attachment point; adds CAT Agg

## Summary
- Renewed AOP CAT effective Jan 1, 2025: $90M limit excess of $10M attachment point (down $4M from $14M YoY).
- AOP CAT cost ~$11.9M, risk-adjusted -8% YoY; aggregate coverage $176.4M for two events, +2.6% YoY.
- New CAT Agg agreement: $40M aggregate limit (with $20M per occurrence cap) excess of $40M deductible, cost ~$6.6M.
- Consolidated retention $9.8M per occurrence via Shoreline Re participation.

## SEC filing metadata
- accession: 0001401521-25-000003
- form_type: 8-K
- ticker: ACIC
- cik: 0001401521
- company_name: AMERICAN COASTAL INSURANCE Corp
- filed_at: 2025-01-07T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1401521/000140152125000003/0001401521-25-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1401521/000140152125000003/uihc-20250107.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001401521-25-000003
- JSON: https://secwatch.observer/filing/0001401521-25-000003.json
- Plain text: https://secwatch.observer/filing/0001401521-25-000003.txt

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