American Strategic Insurance (ASI) Review & Complaints

American Strategic Insurance Company focuses on home insurance with policy options including condo insurance, renter's insurance, and homeowner's insurance as a part of Progressive. American Strategic insurance quotes are mixed in with other Progressive home insurance quotes. The American Strategic rating with the BBB is an A+.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 22, 2021

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American Strategic Insurance (ASI)

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The Highlights

  • American Strategic Insurance operates as part of Progressive.
  • ASI was founded in 1997.
  • ASI has an A+ rating with the Better Business Bureau.

When trying to compare home insurance, you may have come across a company called American Strategic Insurance. Founded just over 20 years ago, American Strategic Insurance (ASI) is a Florida-based property and casualty insurer that has seen rapid growth. They operate today as part of Progressive Insurance and write insurance in 40 states be sure to check out our Progressive insurance review.

We will discuss everything in this ASI review step-by-step so you can see if they are the company for you. Get a good start on finding the coverage options you need by typing your ZIP code into our helpful tool above to find the cheapest rates in your area.

What is American Strategic Insurance?

American Strategic Insurance home insurance was founded in 1997 to provide home insurance in Florida. To this day, their headquarters remain in St. Petersburg, Florida. Within a few years, they expanded to also cover homes in Texas. The company has survived some of the worst hurricanes in recent memory and carried on when many insurers pulled out of the Florida market. They continued to expand to other states in the late 2000s. Information on insurance laws in Florida can be found on the Florida Office of Regulation website.

The company’s connection with Progressive began with reciprocal investments in 2012, and in 2015, Progressive purchased a majority interest in ASI’s holding company, ARX Holding Corp. The company still operates under its own name but has added Progressive’s name and logo to their banner. Progressive Property Insurance is among ASI Group’s companies.

By 2017, ASI was writing home insurance in 40 states and launched an auto program in California under the name ASI Select. There are also several other branches in the group. ASI also write complementary policies to their main focus (home insurance), including flood and umbrella. Their products are sold through independent insurance agents under the Progressive agent system.

There are also several other branches of the American Strategic Insurance home insurance company. ASI also write complementary policies to their main focus (home insurance), including flood and umbrella. Their products are sold through independent agents under the Progressive agent system.

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What Products Does ASI Offer?

ASI’s main focus is on homeowners insurance coverage. Auto is only written in California through a subsidiary and the site has no information on this product. The website offers an overview of each type of coverage the company writes, but there are no details on the policies themselves.

ASI writes traditional homeowners insurance for single-family homes, condo insurance, renter’s insurance, and coverage for seasonal or investment homes. Each of these policies is tailored to the needs of the type of home involved. In some states,  a homeowners insurance policy and car insurance policy can be bundled through Progressive Home.

ASI also writes umbrella insurance with $1 or $2 million in liability limits in a handful of states. The site does not say whether the underlying policies need to be with the same company.

Flood insurance is available through the National Flood Insurance Program in most states. In Florida, they offer flood insurance coverage as an endorsement on their homeowner’s policy.

Are American Strategic Insurance Rates Competitive?

The company website does not offer ASI insurance rates, nor do they have online quoting. It seems likely that homeowner’s quotes through the Progressive home system may well return ASI insurance quotes, but since Progressive also partners with other home insurance companies, it is uncertain which one any given quote might be from. As a result, we are unable to obtain an accurate quote from that source.

With that being said, we can still take a look at Progressive’s rates in comparison to other companies to get an idea of what your premiums might be. This may also help you determine if American Strategic Insurance home insurance quotes are competitive.

State By State Average Annual Car Insurance Rates Comparison for Top 10 Companies
StateAllstate Average Annual RatesAmerican Family Average Annual RatesFarmers Average Annual RatesGeico Average Annual RatesLiberty Mutual Average Annual RatesNationwide Average Annual RatesProgressive Average Annual RatesState Farm Average Annual RatesTravelers Average Annual RatesUSAA Average Annual Rates
Alaska$3,145.31$4,153.07$2,879.96$5,295.55$3,062.85$2,228.12$2,454.21
Alabama$3,311.52$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Arkansas$5,150.03$4,257.87$3,484.63$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
Arizona$4,904.10$5,000.08$2,264.71$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
California$4,532.96$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77$3,338.87
Connecticut$5,831.60$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
District of Columbia$6,468.92$3,692.81$4,848.98$4,970.26$4,074.05$2,580.44
Delaware$6,316.06$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Florida$7,440.46$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67$2,850.41
Georgia$4,210.70$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88$3,157.46
Hawaii$2,173.49$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28$1,189.35
Iowa$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Idaho$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19$1,867.96$3,226.29$1,877.61
Illinois$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35$3,898.00$2,408.94$3,393.75$1,630.86
Kansas$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Kentucky$7,143.92$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,998.79$6,154.60$7,471.10$4,579.12$4,353.12
Maine$3,675.59$2,770.15$2,823.05$4,331.39$3,643.59$2,198.68$2,252.97$1,930.79
Maryland$5,233.17$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87$2,744.14
Massachusetts$2,708.53$1,510.17$4,339.35$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$22,902.59$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49$2,066.99$2,861.60
Missouri$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91$2,525.78
Mississippi$4,942.11$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Montana$4,672.10$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74$2,031.89
North Carolina$7,190.43$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66
North Dakota$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53$2,006.80
Nebraska$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71$2,330.78
New Hampshire$2,725.01$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46$1,906.96
New Jersey$5,713.58$7,617.00$2,754.94$6,766.62$3,972.72$7,527.16$4,254.49
New Mexico$4,200.65$4,315.53$4,458.30$3,514.38$3,119.18$2,340.66$2,296.77
Nevada$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
New York$4,740.97$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
Ohio$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
Oklahoma$3,718.62$4,142.40$3,437.34$6,874.62$4,832.35$2,816.80$3,174.15
Oregon$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Pennsylvania$3,984.12$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$4,959.45$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,903.43$4,691.85$3,178.01$3,625.49$4,573.08$3,071.34$3,424.77
South Dakota$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23
Tennessee$4,828.85$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$5,485.44$4,848.72$3,263.28$3,867.55$4,664.69$2,879.94$2,487.89
Utah$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83$2,491.10
Virginia$3,386.80$2,061.53$2,073.00$2,498.58$2,268.95$1,858.38
Vermont$3,190.38$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84$1,903.55
Washington$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78$2,262.16
West Virginia$3,820.68$2,120.80$2,924.39$2,126.32$1,984.62
Wisconsin$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53$2,975.74
Wyoming$4,373.93$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55$2,779.53
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There is an agent locator available on the website where interested visitors can find their local representative and obtain a quote directly. Speaking with a local representative can help you find the lowest American Strategic Insurance home insurance rates.

How are American Strategic Insurance Claims Handled?

Claims can be reported online to the claims department using a form found on the company website, or they can be called into the 24/7 toll-free claims line.

The claims process is outlined briefly and is similar to other home insurance companies. ASI does have emergency claims response available 24/7. A claims adjuster will be assigned within 48 hours of the report and will begin the process of evaluating the damage and coverage available.

The site has a fairly comprehensive Claims FAQ section that should answer most customer’s basic questions about the process. Claims can be managed and viewed when logged into the customer portal on the website.

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Are American Strategic Insurance Ratings and Consumer Reviews Positive?

American Strategic Insurance customer satisfaction ratings and customer reviews are important to consider when looking to buy American Strategic Insurance home insurance. In terms of ASI reviews, they have an A+ rating with the Better Business Bureau (BBB), and 119 customer complaints have been filed and closed in the past three years. This is not a high volume for a company as large as ASI. They have been accredited with the BBB since 2004.

The page has a total of 42 reviews for a two-star rating. There are some good ASI insurance reviews mixed in among the negative comments. The customer service complaints are about varied issues and are, unusually, not focused mainly on claims problems. ASI responds to the majority of the comments.

Yelp has 13 ASI home insurance reviews, with an overall rating of just under two stars. Again, the ASI insurance complaints are varied in nature, and some appear to be repeated from the BBB reviews. Overall, ASI does not have a high complaint volume.

American Strategic Insurance: What’s the Bottom Line?

There are ways to find affordable American Strategic Insurance home insurance rates. ASI likely sells a majority of its policies through agents and the Progressive connection; the lack of information on their website indicates they are trying to reach new customers online.

Without rates or detailed policy information, it is difficult to judge what this company really offers. It may be a good choice to buy ASI’s home coverage for those seeking to bundle with a Progressive auto insurance policy for a discount.

American Strategic Insurance reviews are mixed and ASI insurance company has a large number of complaints.

Now that you’ve read our American Strategic Insurance review, it’s time to start coming rates. Get a good start on finding rates from multiple car insurance companies by typing your ZIP code into our helpful tool below.

Frequently Asked Questions: American Strategic Insurance (ASI)

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#1 – Is ASI a good insurance company?

If the Better Business Bureau is of any indication, yes. They have an A+ rating with the BBB. ASI homeowners insurance reviews are mixed.

#2 – What are ASI’s homeowner’s insurance ratings?

ASI home insurance ratings would serve as part of BBB’s overall rating.

#3 – Is ASI a mortgage company?

No, ASI is strictly an insurance company, so there is no ASI mortgage information.

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#4 – Is there an ASI cancel policy option?

You can go to the support section of their webpage to manage your policy.

#5 – Are there Progressive Insurance photo inspection locations?

You may be able to do this through the app. Be sure to ask your insurance representative.

#6 – Are there ASI underwriters in St. Petersburg, Florida?

Yes, they are located at 2 ASI Way N, St. Petersburg, FL 33702.

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#7 – What is the ASI claims phone number?

You can reach them at 1-866-274-5677.

#8 – What is the ASI payment address?

Their address is P.O. Box 33018 St. Petersburg, FL 33733-8018.

#9 – What is the American Strategic Insurance customer service phone number?

This number is 1 (866) 274-8765. They can give you information on ASI Lloyds Homeowners Insurance and more.

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#10 – What is Select Home Warranty’s BBB rating?

While not accredited, it has a B rating.

References:

  1. https://www.floir.com/Office/InsTypes_default.aspx

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