US Coastal P&C Ins Co
Major Rating Factors:
Fair profitability index (4.8 on a scale of 0 to 10) with operating losses during 2020 and the first six months of 2025. Average return on equity over the last five years has been poor at -2.8%. Fair overall results on stability tests (3.3) including weak results on operational trends. The largest net exposure for one risk is high at 3.1% of capital. Strong long-term capitalization index (7.8) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting improvement over results in 2024.
Other Rating Factors:
History of adequate reserve strength (7.0) as reserves have been consistently at an acceptable level. Good liquidity (7.0) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
G - Fast asset or premium growth.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Homeowners (62.3%), fire (32.6%), other (5.1%)
Licensed in:
AL, CA, FL, GA, MS, NC, SC
Principal Investments:
Investment grade bonds (67.1%), real estate (1.6%), cash (1.0%), other (30.4%)
Corporate Info
Group Affiliation
Cabrillo Intermediate Holdings LLC
Investment Rating
--
Company Address
301 Northwest 138th Terrace
Jonesville, FL 32669
Jonesville, FL 32669
Phone Number
(866) 896-7233
NAIC Number
15900
Website
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