American Coastal Insurance Company (AmCoastal) has successfully renewed its 2025 reinsurance program for all other perils and introduced a new $40 million catastrophe aggregate excess of loss (XoL) agreement.

For 2024, AmCoastal had secured an all other perils catastrophe XoL reinsurance agreement with a $100 million limit. In 2025, the renewed arrangement offers up to $90 million in occurrence limits, with the same $10 million attachment point, aimed at mitigating losses from non-named windstorm and earthquake catastrophes. This renewal came at an approximate cost of $11.9 million, reflecting a risk-adjusted decrease of 8% year-over-year.


Post-retention, the 2025 program provides AmCoastal with $88.2 million of coverage for both the first and second events, totaling $176.4 million in aggregate protection—a $4.4 million (2.6%) increase compared to 2024. Additionally, the effective attachment point dropped by $4 million (28.6%), from $14 million to $10 million.

In December 2024, AmCoastal also utilized a $200 million Armor Re II Ltd. (Series 2024-2) catastrophe bond to secure over three years of fully-collateralized Florida named storm reinsurance protection.

Further strengthening its risk management, AmCoastal added a new catastrophe aggregate XoL cover at its 2025 renewal. Effective January 1, 2025, this agreement provides $40 million in aggregate limits, with a $20 million per occurrence cap, attaching after a $40 million annual aggregate deductible. This coverage protects against all catastrophe events, including named windstorms, severe convective storms, and winter storms, for the full calendar year, at a cost of $6.6 million.

For additional updates on reinsurance renewals, explore our full coverage.

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