ASI Home Insurance Review

American Strategic Insurance (ASI) is Progressive’s homeowners platform within the Progressive Home Insurance Group. ASI underwrites most Progressive‑branded homeowners policies and competes as a mid‑tier national writer with a low single‑digit market share—generally within the top 10–15 by homeowners premium in the latest NAIC market share report (NAIC homeowners multi‑peril, 2023 data published 2024). Financial strength for the Progressive Home pool (inclusive of ASI) is strong: AM Best A+ (Superior), S&P AA, and Moody’s Aa2—each with Stable outlooks affirmed in 2024–2025 (Progressive credit ratings; AM Best; S&P Global Ratings; Moody’s).

Policies through ASI are available for homes and condos and include modern customization features. Common options include scheduling valuables, raising personal liability limits, and adding endorsements such as water or sewer backup, service line, equipment breakdown, ordinance or law (code upgrades), and personal property replacement cost. Many carriers—including ASI—also offer extended or guaranteed replacement cost options where available, higher sublimits for specific classes of property, and percentage‑based catastrophe deductibles; shoppers should review default sublimits and valuation basis closely (NAIC homeowners insurance guide).

Additionally, you can get seasonal coverage on investment properties and flood insurance, no matter where in the country you live. ASI is a Write Your Own (WYO) flood insurance provider through the National Flood Insurance Program, and homeowners should compare NFIP’s standardized limits and terms with private flood options to close exclusions in standard HO policies (FEMA NFIP coverage overview).

Overall, ASI combines Progressive’s scale and digital tools with broad HO‑3/HO‑5 coverage and endorsement flexibility. The Progressive Home pool’s strong insurance financial strength ratings—AM Best A+ (Superior), S&P AA, and Moody’s Aa2—underscore claims‑paying ability (Progressive credit ratings; AM Best).

ASI Home Insurance Overview: Financial Strength, Availability, and History

As a part of a widely recognized insurance group in the country, ASI benefits from Progressive’s brand and distribution. Progressive first acquired a controlling interest in ARX Holding Corp. (ASI’s parent) in 2015 and completed the purchase of the remaining shares in 2020, integrating ASI into Progressive’s Property segment (“Progressive Home”) (Progressive annual report; SEC EDGAR; see also plans to complete the acquisition in 2020).

Operations are managed within Progressive’s Property segment governance, with current strategy emphasizing underwriting and rate discipline in catastrophe‑exposed regions and robust catastrophe reinsurance, while homeowners remains central to Progressive’s auto–home bundle and “Robinsons” multi‑product strategy (Progressive annual report; Progressive monthly results).

ASI has been accredited by the Better Business Bureau since 2004, and carries an A+ rating.

• In business since: 1997
• S&P Financial Strength Rating (N/A if no rating): AA
• Moody’s Financial Strength Rating (N/A if no rating): Aa2
• AM Best Financial Strength Rating (N/A if no rating): A+
• States served (availability): Varies by state; Progressive places homeowners via ASI subsidiaries and partner carriers—use the agent locator for current availability.

The Home Insurance Factors We Analyzed

Pricing

ASI does not publicly post the cost of its policy options. Pricing is highly state‑ and risk‑dependent and reflects current catastrophe and reinsurance costs. Across the broader market, 2025 commentary points to mixed but stabilizing conditions by line and region, with property pricing still sensitive to catastrophe exposure (Marsh Global Insurance Market Index, Q2 2025). To get an accurate premium, obtain a quote from a licensed agent and compare bundled and stand‑alone options.

Customer experience

Homeowners satisfaction has been pressured by multi‑year premium inflation and catastrophe losses, though J.D. Power reports signs of improvement in several claims touchpoints in the latest study (2025 U.S. Property Claims Satisfaction Study). The most recent homeowners policy‑experience baseline shows industrywide pressure from rate actions and tightening capacity (2024 U.S. Home Insurance Study).

For complaints, use the NAIC Complaint Index for the specific ASI underwriting company and state. The index compares a company’s share of confirmed complaints to its share of premiums; the national median is 1.00 (values >1.00 indicate more complaints than expected) (NAIC Complaint Index; query your entity at NAIC Consumer Information Source).

It’s also important to point out that while the company has an A+ rating from the BBB, customer reviews on the BBB site are mixed and may not be representative of overall experience.

Getting signed up for a homeowners policy through ASI is a straightforward process via independent agents and Progressive’s digital pathways. You can use the company’s online agent search engine to locate someone in your area.

Coverage

Core homeowners policies typically cover the dwelling and attached structures, personal property, loss of use/additional living expenses, personal liability, and guest medical payments. ASI offers endorsement options such as water/sewer backup, service line, equipment breakdown, ordinance or law (code upgrades), and personal property replacement cost. Consider extended or guaranteed replacement cost for the dwelling where available, and review sublimits for valuables; schedule items as needed (NAIC homeowners insurance guide).

Standard homeowners policies exclude flood; pair your HO policy with flood insurance if appropriate. Compare NFIP’s standardized coverage/limits and waiting periods with private flood options to right‑size protection (FEMA NFIP coverage).

When determining what you need coverage for, inventory your belongings and validate reconstruction costs. The NAIC recommends reviewing valuation basis (replacement cost vs actual cash value), endorsements to close common gaps, and deductible options—especially catastrophe deductibles in wind/hurricane/wildfire‑exposed regions (NAIC homeowners insurance guide).

Deals, discounts, and add-ons

Because of ASI’s relationship with Progressive, you can often bundle multiple policies for savings and consolidated service. Progressive’s multi‑policy discount applies when you hold two or more policies (commonly auto + home/condo/renters); availability and savings vary by state and underwriter (Progressive: What is bundling?).

Progressive also lists common stackable discounts such as multi‑car, homeowner (on auto, even if home isn’t insured with Progressive), online/paperless, automatic payment, pay‑in‑full, and driver/student programs; Snapshot (usage‑based) may reduce auto premiums based on driving behavior where available (Progressive auto discounts). Quote both bundled and unbundled to confirm which configuration yields the best total cost.

The Bottom Line

ASI delivers broad homeowners coverage, modern endorsements, and strong digital integration with Progressive, backed by robust insurance financial strength ratings (AM Best A+, S&P AA, Moody’s Aa2). Its best value often emerges in an auto–home bundle, but pricing and underwriting appetite vary by state and catastrophe exposure.

Evaluate fit using recent customer‑experience benchmarks and state‑specific complaint indices: J.D. Power’s home insurance and property claims studies, plus the NAIC Consumer Information Source where 1.00 equals the national median on the Complaint Index.

The Competition 

*All information accurate as of 11/8/2025

ASI Home Insurance FAQ

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