American Coastal Insurance Reports Strong Q3 2025 Results

American Coastal Insurance Corporation ( (ACIC) ) has released its Q3 earnings. Here is a breakdown of the information American Coastal Insurance Corporation presented to its investors.

American Coastal Insurance Corporation is a property and casualty insurance holding company specializing in insuring condominium and homeowner association properties in Florida, with a focus on hurricane-exposed properties through a partnership with AmRisc Group. The company reported its financial results for the third quarter ended September 30, 2025, highlighting a strong performance with increased revenue and earnings.

In the third quarter of 2025, American Coastal Insurance Corporation achieved a net income of $32.5 million, or $0.65 per diluted share, marking a 15.5% increase from the previous year. The company saw a 10.1% rise in total revenue to $90.4 million, driven by higher gross premiums earned and decreased ceded premiums. Despite a 22.8% decline in gross premiums written, the company managed to improve its financial standing through strategic adjustments in its reinsurance coverage.

Key financial metrics for the quarter included an 8.5% increase in net premiums earned and a 13.1% rise in core income. The company’s combined ratio improved slightly to 56.9%, reflecting efficient underwriting practices. However, policy acquisition costs and general administrative expenses saw increases, attributed to higher management fees and expansion efforts.

Looking ahead, American Coastal Insurance Corporation remains strategically positioned to deliver superior risk-adjusted returns, even as market conditions soften. The company’s management maintains a disciplined focus on long-term value creation for stakeholders, supported by strong underwriting results and strategic reinsurance adjustments.