AMERICAN COASTAL INSURANCE Corp
American Coastal Insurance Corporation (Nasdaq: ACIC) is a holding company primarily engaged in commercial property and casualty insurance business with operations in the United States. The company conducts its business principally through its wholly owned insurance subsidiary, American Coastal Insurance Company… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What AMERICAN COASTAL INSURANCE Corp does
In the company’s own words
American Coastal Insurance Corporation (Nasdaq: ACIC) is a holding company primarily engaged in commercial property and casualty insurance business with operations in the United States. The company conducts its business principally through its wholly owned insurance subsidiary, American Coastal Insurance Company (AmCoastal). The company's website is www.amcoastal.com.
The company generates revenue exclusively from writing insurance in Florida, focusing on low-rise commercial property insurance. Its primary product offerings include commercial multi-peril property insurance for residential condominium associations, apartments, and assisted living facilities, providing coverage for loss or damage to buildings, inventory, or equipment caused by covered causes such as fire, wind, hail, water, theft, and vandalism. The company also offers equipment breakdown, identity theft, and flood policies on a not-at-risk basis, earning commissions while ceding all risk to other private companies.
American Coastal operates through one reportable operating segment. The company's condominium policies are marketed and distributed through an exclusive managing general agency agreement with AmRisc, an unaffiliated third party representing 100 percent of condominium revenue. Apartment and assisted living facility policies are distributed through Skyway Underwriters, an affiliated managing general agency, utilizing multiple wholesaler partners. In 2025, the company began writing apartment and assisted living products through Skyway Underwriters.
As of December 31, 2025, the company employed 68 people, with 11 working in the Claims Department and 10 in the Sales and Underwriting Department. The company maintains financial strength ratings from Demotech and Kroll Bond Rating Agency for its insurance subsidiary.
The company has a significant corporate history including the acquisition of AmCo Holding Company and its subsidiaries in April 2017. In April 2025, the company completed the sale of Interboro Insurance Company (IIC), which previously wrote insurance outside Florida. The company changed its corporate name from United Insurance Holdings Corp. to American Coastal Insurance Corporation on July 10, 2023. All policies in force and total insured value are concentrated in Florida, representing the company's entire geographic footprint.
Company details
- Sector
- Financials
- Industry (SIC)
- Property & Casualty Insurance
- Headquarters
- SAINT PETERSBURG, FL
- Fiscal year end
- December
- CIK
- 1401521
- SIC
- 6331
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns AMERICAN COASTAL INSURANCE Corp — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · AMERICAN COASTAL INSURANCE Corp’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
AMERICAN COASTAL INSURANCE Corp’s bonds, as funds hold them
Funds report holding 1 issues of AMERICAN COASTAL INSURANCE Corp’s debt, $105.22M at market value — what funds hold, not the company’s total debt.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
Compare this company with peers, find it in your funds and follow its financial history with your connected AI:
- “How do AMERICAN COASTAL INSURANCE Corp and its peers compare on margins and cash generation over ten years?”
- “Where did five years of AMERICAN COASTAL INSURANCE Corp's earnings go — cash, debt, buybacks, reinvestment?”
- “What changed in AMERICAN COASTAL INSURANCE Corp's last four quarterly filings that the numbers alone won't show?”