American Coastal Insurance Corp., headquartered in St. Petersburg, Florida, is a provider of property and casualty insurance with a strong focus on residential and commercial coverage. The company offers a range of insurance products designed to meet the diverse needs of homeowners and property managers across different types of residential properties.

Founded on May 1, 2007, the company has built a portfolio that includes insurance policies for homeowners, landlords, seasonal properties, condominiums, and renters. In addition, it provides flood insurance and commercial residential property insurance—covering a broad spectrum of both individual and business-related property needs.

American Coastal Insurance operates through two core business segments. The first, Personal Residential Property and Casualty Insurance Policies, also referred to as Personal Lines, focuses on individual policyholders. This segment includes standard homeowners’ insurance as well as coverage tailored for rented or seasonal homes, condominiums, and tenants. These offerings are designed to protect personal residences and their contents from risks such as fire, theft, and natural disasters.

The second segment, Commercial Residential Property and Casualty Insurance Policies, or Commercial Lines, serves property owners and managers who handle multi-unit residential buildings or other income-generating properties. These policies provide insurance solutions tailored to larger-scale residential operations, ensuring protection for both physical structures and the financial well-being of commercial landlords.

With a presence in areas prone to weather-related risks—such as hurricanes and flooding—the company has positioned itself to respond to the specific challenges of insuring residential properties in vulnerable regions. Its ability to serve both individual homeowners and commercial property stakeholders allows it to maintain a diversified insurance portfolio.

American Coastal Insurance Corp. continues to grow its footprint in the property and casualty insurance market by focusing on tailored insurance offerings, risk management, and responsive customer service. Through its dual-segment structure and broad coverage options, the company remains a key player in safeguarding both private homes and commercial residential assets across the U.S.