American Coastal Insurance (ACIC) director buys shares for children

Rhea-AI Filing Summary

American Coastal Insurance Corp director Michael Kern Davis reported small open-market purchases of company stock for family accounts. On March 20, 2026, he bought 100 shares of Common Stock at $11.05 per share in an account held by his first child and another 100 shares at the same price in an account held by his second child, both reported as indirect ownership. After these transactions, each child’s account held 4,626 shares, while Davis directly owned 299,564 shares of Common Stock, making these family purchases modest relative to his overall position.

Insider Trade Summary

Net Buyer: 200 shares ($2,210)

Net Buy 3 txns

Insider DAVIS KERN MICHAEL

Role Director

Bought 200 shs ($2K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	100	$11.05	$1K
Purchase	Common Stock	100	$11.05	$1K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 4,626 shares (Indirect, Held by First Child); Common Stock — 299,564 shares (Direct)

Footnotes (1)

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

DAVIS KERN MICHAEL

(Last) (First) (Middle)

C/O AMERICAN COASTAL INSURANCE CORP.

570 CARILLON PARKWAY, SUITE 100

(Street)

ST PETERSBURG FLORIDA 33716

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
AMERICAN COASTAL INSURANCE Corp [ ACIC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
03/20/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	03/20/2026		P		100	A	$11.05	4,626	I	Held by First Child
Common Stock	03/20/2026		P		100	A	$11.05	4,626	I	Held by Second Child
Common Stock								299,564	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Alexander Baty, Attorney-in-Fact for Kern M. Davis	03/23/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did AMERICAN COASTAL INSURANCE Corp (ACIC) report?

AMERICAN COASTAL INSURANCE Corp reported that director Michael Kern Davis made two small open-market purchases of Common Stock. He acquired a total of 200 shares at $11.05 per share on March 20, 2026, for family accounts held indirectly through his children.

How many AMERICAN COASTAL INSURANCE (ACIC) shares did the director buy?

Director Michael Kern Davis bought 200 shares of AMERICAN COASTAL INSURANCE Common Stock. The filing shows two separate open-market purchases of 100 shares each at $11.05 per share, allocated to accounts held for his first child and second child as indirect ownership.

At what price were the AMERICAN COASTAL (ACIC) insider shares purchased?

The reported insider purchases were made at $11.05 per share. Both 100-share transactions on March 20, 2026, for the first child’s and second child’s accounts occurred at this same price, indicating small, routine open-market buys rather than a large directional bet.

Is the AMERICAN COASTAL (ACIC) director’s ownership mostly direct or indirect?

Most of the director’s ownership is direct. After the reported transactions, the filing shows 299,564 shares held directly, while each child’s indirectly held account owns 4,626 shares. This means the 200-share family purchases are minor compared with his existing direct holdings.

Were the AMERICAN COASTAL (ACIC) insider purchases made for the director personally?

The purchases were reported as indirect holdings for family members. The Form 4 states the 100-share buys were “Held by First Child” and “Held by Second Child,” so the newly acquired shares belong to those child accounts, not to the director’s direct personal account.