American Coastal Insurance (ACIC) director buys additional shares

Rhea-AI Filing Summary

American Coastal Insurance Corp director Michael Kern Davis reported open-market purchases of a total of 1,400 shares of Common Stock of ACIC on March 4, 2026 at $11.71 per share. The shares are held in accounts in the names of his children, over which he has trading authority and may be deemed to have indirect beneficial ownership.

Following these transactions, Davis' indirect holdings in these child accounts were 4,126 shares, and a separate entry shows he directly held 299,564 shares of Common Stock. These transactions reflect additional indirect exposure rather than a reduction in his overall position.

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

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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)
03/04/2026

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	03/04/2026		P		700	A	$11.71	4,126(1)	I	Held by First Child
Common Stock	03/04/2026		P		700	A	$11.71	4,126(1)	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:

1. These securities are held in accounts in the name of the reporting person's children. The reporting person subsequently determined that he has trading authority with respect to each account and, as a result, may be deemed to have indirect beneficial ownership of the securities reported herein.

	/s/ Alexander Baty, Attorney-in-Fact for Kern M. Davis	03/18/2026
	** 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 ACIC director Michael Kern Davis report?

ACIC director Michael Kern Davis reported buying 1,400 shares of American Coastal Insurance Corp common stock in open-market transactions at $11.71 per share. These purchases increase his indirect exposure through accounts held in the names of his children.

At what price did the ACIC insider open-market purchases occur?

The ACIC insider purchases were made at $11.71 per share. This price applies to both 700-share blocks bought for each of two child accounts, reflecting routine open-market accumulation rather than any sale or reduction of holdings.

How many ACIC shares does Michael Kern Davis hold after these transactions?

After these transactions, a holding entry shows Michael Kern Davis directly held 299,564 shares of American Coastal Insurance Corp. Separately, his indirect holdings in child accounts totaled 4,126 shares, giving him both direct and indirect exposure to ACIC common stock.

Are the new ACIC shares held directly by Michael Kern Davis?

No, the newly purchased ACIC shares are held in accounts in the names of his children. A footnote explains he has trading authority over these accounts and may be deemed to have indirect beneficial ownership of the reported securities.

What is the nature of ownership for the ACIC Form 4 transactions?

The Form 4 shows the 1,400 purchased ACIC shares as indirect ownership, described as held by a first child and second child. Another line item records 299,564 shares as directly owned, distinguishing personal holdings from child account positions.

Does the ACIC Form 4 show any insider sales by Michael Kern Davis?

The ACIC Form 4 does not show any insider sales for this period. It reports two open-market purchases totaling 1,400 shares and a separate holding entry, indicating a net increase in his reported ownership position, not a disposition of shares.