American Coastal Insurance Corporation · NASDAQ:ACIC

American Coastal Insurance — Investor Presentation (September 2023)

12 slides from American Coastal Insurance's investor presentation, Sep 19, 2023

  1. Slide 1: American Coastal Insurance Corporation

    AMERICAN COASTAL INSURANCE CORPORATION

  2. Slide 2: 2021 Product Mix

    2021 Product Mix Commercial _> Residenti: 87.1% Personal Residential: 12.9%

  3. Slide 3: Policies In-Force By Region

    Policies In-Force By Region (1) 2022 2021 2020 Gulf 63,295 109,799 144,121 Southeast 21,679 57,790 93,583 Personal Residential Products Policies we issue under our homeowners’ program provide structure, content and liability coverage for standard single-family homeowners, renters and condominium uni

  4. Slide 4: 2022 Policies In-Force By Region

    2022 Policies In-Force By Region Northeast: 14.1% Gulf: 24.9% Florida: 52.5% Southeast: 8.5%

  5. Slide 5: 2021 Policies In-Force By Region

    2021 Policies In-Force By Region Gulf: 23.3% Northeast: 21.1% Florida: 43.4% ~ Southeast: 12.3%

  6. Slide 6: TIV By Region

    TIV By Region (1) 2022 2021 2020 Gulf 31,614,402 48,598,405 60,347,058 Southeast 10,829,542 30,283,130 43,790,464 The table below shows the geographic distribution of our total insured value (TIV) of all polices in-force as of December 31, 2022, 2021 and 2020, including our policies attributable to

  7. Slide 7: American Coastal Insurance Corporation

    AMERICAN COASTAL INSURANCE CORPORATION

  8. Slide 8: 2021 TIV By Region

    2021 TIV By Region Gulf: 15.6% Southeast: 9.8% Northeast: 22.3% \ Florida: 52.3%

  9. Slide 9: Selected financial results 2022, 2021, 2020

    Gross premiums written $ 572,343 $ 484,527 $ 399,843 Gross premiums earned 535,369 465,759 409,706 Net premiums earned 269,346 221,129 231,172 Net realized gains (losses) (6,483) 138 28,934 Management fee income — — — Total revenues 269,791 228,685 257,525 Losses and loss adjustment expenses 134,805

  10. Slide 10: Operating cash flow

    Operating $(10.5) $(173.1) $(295.4) 2022 2021 2020

  11. Slide 11: Investing cash flow

    Investing $236.8 $251.4 2022 2021 2020

  12. Slide 12: Interest rate sensitivity and assets

    300 basis point increase $ 179,372 $ (25,310) (12.4) % 100 basis point increase 196,240 (8,442) (4.1) 100 basis point decrease 213,131 8,449 4.1 300 basis point decrease $ 230,032 $ 25,350 12.4 % 300 basis point increase $ 304,972 $ (41,697) (12.0) % 100 basis point increase 332,769 (13,900) (4.0) 1

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