---
schema_version: "secwatch.filing_event.v1"
accession: "0001401521-26-000031"
form_type: "8-K"
ticker: "ACIC"
cik: "0001401521"
company_name: "AMERICAN COASTAL INSURANCE Corp"
filed_at: "2026-05-15T20:07:25+00:00"
generated_at: "2026-05-15T20:13:33.642561+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001401521-26-000031
- form_type: 8-K
- ticker: ACIC
- cik: 0001401521
- company_name: AMERICAN COASTAL INSURANCE Corp
- filed_at: 2026-05-15T20:07:25+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1401521/000140152126000031/0001401521-26-000031-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1401521/000140152126000031/acic-20260515.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001401521-26-000031
- JSON: https://secwatch.observer/filing/0001401521-26-000031.json
- Plain text: https://secwatch.observer/filing/0001401521-26-000031.txt

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