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Last updated on May 19, 2021

ASI Home Insurance Review

Homeowner and condo insurer with flexible options, extensive customer support, and backing by the Progressive Group ​
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ASI Home Insurance

  • Options for homeowners and condo owners
  • A+ rating from AM Best Financial
  • Flexible customizations options to personalize policies
  • Bundle discount options available with Progressive
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How We Reviewed ASI Home Insurance

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7 companies compared

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4 features evaluated

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5 rating analyzed

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American Strategic Insurance (ASI) is one of the 15 largest homeowners insurance providers in the United States and a member of the Progressive Insurance network of companies. The company’s services are backed by a strong push for a positive attitude, speedy and efficient processes, and innovation within the insurance space.

Policies through ASI are available for homes and condos and come with extensive options tailored to your exact needs. Some of the options available include increased limits on covered items (like jewelry), the ability to increase coverage on personal injury coverage, options to add dwelling fire policies, and policy options for umbrella coverage.

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.

Overall, ASI offers extensive customization options, which makes the company a great option for many different types of home and condo owners. The push for positivity and speed and the backing by Progressive all make for a well-rounded and sufficient homeowners insurance company.

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

As a part of the 6th most popular insurance group in the country, ASI has a positive reputation with the public and the industry. Progressive began acquisition of the ASI parent company ARX Holdings Corp. in 2015, with plans to complete the acquisition in 2020, a year ahead of the original schedule.

The St. Petersburg company (ASI) is still being run by general manager David Pratt, who aims to continue pushing the company forward through the acquisition. The five main priority goals Pratt has outlined for 2020 include increased profitability, a focus on culture, process improvement, sales, and an improved customer experience. All of these goals bode well not just for the company but for people insured by ASI as well.

ASI has been accredited by the Better Business Bureau since 2004 (22 years), and carries an A+ rating.

  • In business since: 1997
  • S&P Financial Strength Rating (N/A if no rating): NA
  • Moody’s Financial Strength Rating (N/A if no rating): NA
  • AM Best Financial Strength Rating (N/A if no rating): A+
  • States served (availability): 41
Pros Cons
Backed by the Progressive Group of insurers
Home and auto bundle available in select states
Higher than normal customer complaints compared to the rest of the industry
Does not service all 50 states

The Home Insurance Factors We Analyzed


ASI does not publicly post the cost of its policy options. Due to the high level of customization available, you will need to speak with a licensed agent about your specific situation to see your pricing options. Rates will vary based on where your home is located and the threat probability of that geographical area.

Customer experience

Customer experience reviews for ASI are a bit of a mixed bag, though it’s always important to note that complaint directories do have the tendency to provide polarized information (only the really good or really bad experiences).

The J.D. Power U.S. Property Claims Satisfaction Study ranks ASI 17th out of the 20 companies studied. Based on a 1,000 point scale, ASI scored an 867, which is 35 points behind the highest-ranked company and 25 points above the lowest. According to the National Association of Insurance Commissioners, ASI registered a complaint index of 2.58, which means its number of complaints is two and a half times higher than what is expected across the industry.

It’s also important to point out that while the company has an A+ rating from the BBB, the average customer rating is only a 2.5 out of 5.0 from 71 reviews.

Getting signed up for a homeowners policy through ASI is a fairly straightforward process, but individual experiences may differ. The reason there may be variance in experience is that you need to locate a local agent in your area to help get your policy started. You can use the company’s online agent search engine to locate someone in your area. The search breaks down agents by local agents or platinum agents, who are agents part of a higher-tiered program with the company.


Coverage through ASI is available for homeowners, as well as condo owners. While all policies through the company are customizable, there are many things that are widely covered with most policies. A comprehensive property and liability policy through the company covers replacement of the value of your home and attached structures, your personal property and belongings, living expenses if you need to move out during repairs, personal liability coverage, and medical payment coverage in case someone visiting your home gets hurt.

When determining what you need coverage for, it’s important to take the time to value your assets properly. You may be able to do this with general research, or you may need to seek the assistance of an appraiser. Start by inventorying everything you own in your home to make sure that you don’t miss anything.

On top of this comprehensive coverage, the company also offers seasonal coverage for investment properties, flood insurance, and umbrella policies which can come in $1 and $2 million increments and covers things like defamation, invasion of privacy, slander, libel, and even attorney fees and legal costs if you have to defend yourself.

Deals, discounts, and add-ons

Because of ASI’s relationship with Progressive, you have the ability to bundle several products together. You can bundle any policies that you have through ASI or Progressive together for savings and streamlined convenience.

For example, if you have auto coverage through Progressive and want to get homeowners coverage through ASI, you can bundle the two together and save. Additionally, your ASI policy can be viewed through Progressive when you link the accounts together. This also opens up the 24/7 customer support from Progressive for you to take advantage of.

The Bottom Line

There’s quite a bit to like about ASI, as well as a few things to take note of. The flexibility and customization of policy options are great and make the company a good fit for many different types of owners. Additionally, the backing of a powerhouse like Progressive means you can have a lot of trust in the products you are receiving.

It is a little concerning to see a higher than normal rate of complaints from some of the reporting bureaus. However, you rarely get reports from people with normal or great experiences, so these results can sometimes be skewed. Overall, if you find an agent in your area that you like working with, an ASI policy could be a good fit for your home or condo.

The Competition 

AM Best Financial Strength RatingJ.D. Power 2019 U.S. Home Insurance Study ScoreJ.D. Power 2019 U.S. Property Claims Satisfaction Study ScoreNAIC Customer Complaints
ASI Home InsuranceA+3/5867/10002.58x more complaints than average
AllstateX3/5882/10000.36x fewer complaints than average
FarmersX3/5893/10001.54x more complaints than average
State FarmX4/5878/10003.21x more complaints than average
Liberty MutualX2/5877/10003.85x more complaints than average
NationwideX2/5886/10001.16x more complaints than average

*All information accurate as of 6/26/2020

ASI Home Insurance FAQ

About the Authors

Jason Lee is a seasoned writer with a passion for writing about insurance, banking, and personal finance. As a Las Vegas local and area business owner for a decade, he knows the ins and outs of the city better than anyone.