ACIC renews 2025/26 Core CAT program with $1.676B limit, 12.2% risk-adjusted cost decrease

AMERICAN COASTAL INSURANCE Corp

Occurrence-based limit increased 3.9% to $1.676B; first event limit up 5.4% to $1.33B.
Sufficient coverage for approx. 1-in-201-year event; second event retention up to $18.5M.
Risk-adjusted open market rate decreased 12.2%; max reinstatement premium down 64% to $5.9M.
Placed external 15% quota share with A+ rated reinsurer; FHCF coverage elected at 90% for Florida.
First event retention $29.75M (12.6% of equity), with $14M retained by AmCoastal and $15.75M by captive.

item 8.01

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