American Coastal Insurance Company
Products · Apartment

Florida apartment communities, written through Skyway.

Skyway Underwriters runs a proprietary intake portal that scores risk, manages portfolio metrics, and uses aerial inspections to calibrate the premium before binding.

How we underwrite

A portal that scores the risk before the quote.

  • Risk scoring on dozens of property characteristics, including building age, construction class, mitigation, and loss history.
  • Portfolio management metrics so the book stays in tolerance as it grows.
  • Every submission moves through automated scoring, then a Skyway underwriter reviews it.

Property, contents, business income, and the wind language Florida demands.

  • Building
  • Contents
  • Inflation guard
  • Ordinance or Law
  • ACV roof, optional
  • Sinkhole
  • Theft
  • Vandalism
  • Business income and extra expense
  • Wind-driven precipitation, capped at $250,000
  • Backup of sewers and drains, capped at $150,000
  • Special Cause of Loss form
How to bind

Skyway is the bind path for our Florida apartment program.

Submissions, quotes, and claims all run through Skyway Underwriters. Appointment to select wholesale brokers only.