---
schema_version: "secwatch.filing_event.v1"
accession: "0001401521-26-000003"
form_type: "8-K"
ticker: "ACIC"
cik: "0001401521"
company_name: "AMERICAN COASTAL INSURANCE Corp"
filed_at: "2026-01-07T23:59:59+00:00"
generated_at: "2026-05-16T11:20:06.133819+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# American Coastal renews catastrophe reinsurance with $95.6M AOP and $40M CAT Agg coverage

## Summary
- Renewed AOP CAT agreement effective Jan 1, 2026: $95.6M occurrence limit excess of $10M attachment point.
- AOP CAT cost ~$11.4M; retention $10M per occurrence net of quota share.
- Renewed CAT Agg agreement: $40M aggregate limit ($20M per occurrence cap) after $40M annual deductible.
- CAT Agg cost ~$4.9M; covers named windstorms, severe convective storms, winter storms for full year 2026.
- Reinsurance renewals apply to in-force, new and renewal business through AmCoastal.

## SEC filing metadata
- accession: 0001401521-26-000003
- form_type: 8-K
- ticker: ACIC
- cik: 0001401521
- company_name: AMERICAN COASTAL INSURANCE Corp
- filed_at: 2026-01-07T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1401521/000140152126000003/0001401521-26-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1401521/000140152126000003/acic-20260107.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001401521-26-000003
- JSON: https://secwatch.observer/filing/0001401521-26-000003.json
- Plain text: https://secwatch.observer/filing/0001401521-26-000003.txt

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