---
schema_version: "secwatch.filing_event.v1"
accession: "0001401521-25-000110"
form_type: "8-K"
ticker: "ACIC"
cik: "0001401521"
company_name: "AMERICAN COASTAL INSURANCE Corp"
filed_at: "2025-05-29T23:59:59+00:00"
generated_at: "2026-05-20T05:39:13.521874+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001401521-25-000110
- form_type: 8-K
- ticker: ACIC
- cik: 0001401521
- company_name: AMERICAN COASTAL INSURANCE Corp
- filed_at: 2025-05-29T23:59:59+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/1401521/000140152125000110/0001401521-25-000110-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1401521/000140152125000110/acic-20250529.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001401521-25-000110
- JSON: https://secwatch.observer/filing/0001401521-25-000110.json
- Plain text: https://secwatch.observer/filing/0001401521-25-000110.txt

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