American Coastal Insurance Corp

American Coastal Insurance Corporation is a property and casualty insurance holding company. Its carrier, American Coastal Insurance Company (AmCoastal), was founded in 2007 to insure Condominium and Homeowner Association properties, Apartments and Assisted Living Facilities in Florida, and describes itself as the largest admitted commercial-residential insurer in the state. AmCoastal has an exclusive distribution and underwriting partnership with AmRisc Group, a large managing general agent specializing in hurricane-exposed properties; this agreement was amended in Q3 2026 to make it perpetual. The company is diversifying into specialty excess & surplus (E&S) commercial property in two ways: a quota share participation in AmRisc's nationwide E&S book (begun March 2026), and its new ACES Specialty carrier, which will write business through the Skyway managing general agency in Florida, Texas and South Carolina. The company relies heavily on catastrophe reinsurance, with roughly $1.68 billion of per-occurrence limit, and holds a short-duration, high-quality investment portfolio. It holds an 'A' (Exceptional) Financial Stability Rating from Demotech, an 'A' insurance financial strength rating from KBRA, and a 'BBB' issuer rating from KBRA. In April 2025 it completed the sale of its former New York subsidiary, Interboro Insurance Company, to Forza Insurance Holdings. Updated Oct 29, 2026