Coastal American Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified current public-facing carrier site has moved from caic-insco.com to Gulf States Insurance Group. Coastal American Insurance is presented as the Mississippi and Alabama carrier within the group, with products focused on Gulf Coast property business. Published appetite is broad but clearly centered on personal residential risks: homeowners coverage for owner-occupied homes exposed to Gulf Coast storm, wind, and hurricane conditions; dwelling fire coverage for rental properties, seasonal homes, and investment dwellings; and NFIP Write Your Own flood coverage. The site emphasizes customizable limits, deductibles, and optional enhancements rather than detailed class-level underwriting rules. Publicly described homeowners options include dwelling, other structures, personal property, loss of use, liability, and medical payments, plus optional coverages such as equipment breakdown, personal property replacement cost, limited water backup, identity fraud, scheduled personal property, mandatory evacuation loss of use, service line, ordinance or law, personal injury, increased business property limits, and golf cart coverage. Dwelling fire options include premises liability, limited theft, service line, limited water backup, personal property, equipment breakdown, and ordinance or law. Geographic notes: Coastal American is shown for Mississippi and Alabama, while the broader group serves the Gulf region; multiple pages state the companies operate across Louisiana, Mississippi, and Alabama with products designed specifically for Gulf Coast communities. Distribution/broker notes: products are available exclusively through independent agent partners, and the official agent center provides separate agent and flood portals. Submission/servicing guidance publicly available is operational rather than technical: agents should use the Agent Portal and Flood Insurance Portal; underwriting, customer service, and claims for Coastal American list PO Box 82558, Lafayette, LA 70598, phone 855-836-4950, email cs@coastalamerican.com; corporate office is 1712 15th Street, 4th Floor, Gulfport, MS 39501. No detailed public appetite guide, class-by-class restrictions, hard declines, valuation thresholds, protection class limits, age/roof rules, or binding requirements were found on the verified official site, so restricted or declined classes are not specifically published in the accessible carrier materials reviewed.