American Coastal Insurance
American Coastal sells business insurance in Florida.
Based in St. Petersburg. In Florida since 2007.
Taking new business policies
Florida company code 03721, NAIC 12968.
Policies in force
Not available
No count on file
Latest rate change
Not available
No rate change on file
Financial strength
A
From KBRA, as of Oct 20, 2026
Complaints
1 complaint in 2025 (NAIC, nationwide)
NAIC, 2025, nationwide, all lines
Near you
Can I get a policy?
We're still gathering this company's rules. Call and we'll check for you.
Two choices when your American Coastal rate goes up
You have two choices. One 5 minute call covers both.
Before you call, see the Florida home insurance renewal checklist.
Shop your renewal in one call
One call. A licensed agent shops other companies for you, free.
What's changed recently
Is American Coastal leaving Florida? No. They insure Florida condo and HOA buildings. On Oct 20, 2026 their site showed no stop notice. As of Nov 2, 2026. Source: amcoastal.com.
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They get their Florida license
OIR says American Coastal first got their Florida license on June 21, 2007.
Rate history
No rate filings tracked yet.
19 years in Florida
In Florida since 2007. Has paid claims through 10 hurricanes.
Compare American Coastal side by side
| American Coastal | State Farm | Slide | |
|---|---|---|---|
| New policies | Taking new policies Checked Nov 2, 2026 | Taking new policies Checked Nov 2, 2026 | Taking new policies Checked Nov 2, 2026 |
| Florida policies | Not available | 654,641 Florida OIR, Jul 31, 2026 | 475,227 Florida OIR, Jul 31, 2026 |
| Latest rate change | Not available | +0.8% Home, from Jan 15, 2026 | Not available |
| Complaint index | 1 complaint in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, all lines | 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 0.88 NAIC, 2025, nationwide, homeowners. 1.00 is average. |
| Financial rating | A KBRA, Oct 20, 2026 | A- (Excellent) AM Best | A (Exceptional) Demotech, Oct 7, 2026 |
| In Florida since | 2007 | 1934 | 2022 |
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- Citizens Taking new policies
Citizens is run by the state and covers Florida homes when no private company will. They sell home, condo, renters and wind only plans.
More on our list of Florida commercial insurance companies.
Florida guides for American Coastal customers
Questions people ask about American Coastal
What is the American Coastal claims phone number?Condo and HOA claims go to AmRisc Group at 252-247-8796.
Apartment and assisted living claims go to Skyway Underwriters through Sedgwick. You can also file online.
What does American Coastal insure?Florida condo and HOA buildings, apartment communities and assisted living homes.
They do not cover the inside of your own condo unit. That is your HO-6 policy.
Source: American Coastal claims and home pages, read Oct 20, 2026
Where is American Coastal based?St. Petersburg, Florida.
OIR shows they got their Florida license on June 21, 2007.
Is American Coastal leaving Florida?There is no sign of it.
On Oct 20, 2026 their site offered Florida condo, HOA, apartment and assisted living cover.
Is American Coastal a good insurance company?Public data only: KBRA rates American Coastal Insurance Company A. KBRA raised it to that grade on July 21, 2026.
The NAIC shows 1 complaint against it in 2025, all lines. That is too few to compare.
Source: KBRA news release, July 21, 2026; NAIC Consumer Insurance Search, 2025 complaints, read 2026-10-20
What should I do first after damage to my condo building?Make the property safe.
Take photos of the damage before you make temporary repairs. Then file online, or ask your agent or broker to file for you. Damage inside your own unit is usually for your own HO6 policy, so start with your board or property manager.
American Coastal reviews and complaints: what the public data shows
American Coastal rating
- Complaints
- 1 complaint in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, all lines. As of Oct 20, 2026.
- Years in Florida
- Since 2007 (19 years)
- Regulatory actions
- Not available
No star ratings and no user reviews, only public data.