ACIC renews 2026/27 catastrophe reinsurance with $1.918B limit, 14.4% increase, cost down 11.1%

AMERICAN COASTAL INSURANCE Corp

Purchased $1.918B occurrence-based limit aggregate, up $241.5M or 14.4% from prior year.
First event retention of $49M (15.4% of equity); second event retention $25M; both up from 2025/26.
Provisional cost of excess-of-loss programs $179.5M, down 11.1% from $201.85M; max reinstatement premium $0.9M, down 84%.
Placed new multi-year catastrophe bonds ($200M total) and 15% external quota share with A+ rated reinsurer.
FHCF coverage elected at 90% providing $571.5M Florida-only layer attaching at $363.7M.

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