Investor Presentation August 2024

American Coastal Insurance Corporation

Forward-

Looking

Statements

Statements made in this presentation that are not historical facts are "forward-looking statements". The Company believes these statements are based on reasonable estimates, assumptions and plans. However, if the estimates, assumptions, or plans underlying the forward-looking statements prove inaccurate or if other risks or uncertainties arise, actual results could differ materially from those expressed in, or implied by, the forward-looking statements. These statements are made subject to the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995. These forward- looking statements do not relate strictly to historical or current facts and may be identified by their use of words such as "may," "will," "expect," "endeavor," "project," "believe," "plan," "anticipate," "intend," "could," "would," "estimate" or "continue" or the negative variations thereof or comparable terminology. Factors that could cause actual results to differ materially may be found in the Company's filings with the U.S. Securities and Exchange Commission, in the "Risk Factors" section in the Company's most recent Annual Report on Form 10-K and subsequent Quarterly Reports on Form 10-Q, including amendments. Forward-looking statements speak only as of the date on which they are made, and, except as required by applicable law, the Company undertakes no obligation to update or revise any forward-looking statements.

American Coastal Insurance Corporation

Corporate

Overview

American Coastal Insurance Corporation® (ACIC) is a holding company that underwrites commercial residential property insurance policies in Florida through its wholly owned subsidiary, American Coastal Insurance Company (AmCoastal), founded in 2007.

AmCoastal has the #1 market share in commercial residential property insurance (commercial lines) in Florida with roughly 4,000 policies and $656 million of premium in-force as of June 30, 2024.

Key Metrics

*Annualized based on half year 2024 results; as of June 30, 2024 Please see full year guidance on slide 21.

¹ GAAP results for AmCoastal only

American Coastal Insurance Corporation

Our P&C Carriers

Specialty

CommercialSpecialty

PropertyHomeowners

$670 M 2023

Direct Premiums Written

Our commercial lines business,

underwritten by AmCoastal, continues to demonstrate its resilience by posting an underwriting profit for the 17th

consecutive year since its formation in

2007.

American Coastal Insurance Corporation

Partnership Overview

6th largest insurance Broker in the U.S.

7th largest insurance broker in the world

American Coastal Insurance Corporation

Exclusive Partnership

Exclusive MGA Agreement for the Admitted

Commercial Residential Market in Florida

Distribution, underwriting, policy issuance, inspection, claims services and portfolio management

American Coastal provides underwriting strategy, direction and pricing targets to AmRisc.

AmRisc was founded by ACIC

Chairman & CEO, Dan Peed, in 2000.

American Coastal Insurance Corporation

Underwriting Strategy

Focus on habitational commercial

residential property in Florida.

Underwriting profitability is job #1

Maintain low net

retention of

catastrophe risk

vs. expected

annual earnings

Cover physical damage to the condo building (no contents, flood, or liability)

Target risk is

Florida low-rise,

garden-style

condo buildings

Aiming to achieve

predictable

risk and profitability

of each potential policy.

Exclusive

distribution with

AmRisc in the

Florida admitted

market

Exposure

managed via 3rd party catastrophe modeling software

Flexible,

judgement-

based pricing for

most risks

Long-term

reinsurance relationships supporting risk transfer strategy