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American Strategic Insurance was founded in 1997 to provide homeowner’s insurance in Florida, and within a few years expanded to also cover Texas homes. The company 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.
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 added Progressive’s name and logo to their banner. Progressive Property Insurance is among ASI Group’s companies.
By 2017 they were 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 – including flood and umbrella. Their products are sold through independent agents under the Progressive agent system.
ASI’s headquarters is in St. Petersburg, Florida.
ASI’s main focus is on home insurance; 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 is not any detail on the policies themselves.
ASI writes traditional homeowners 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, home and auto insurance 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 the coverage as an endorsement on their homeowner’s policy.
The ASI website does not offer rates nor do they have online quoting. It seems likely that homeowner’s quotes through the Progressive home system may well return rates for this company, 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.
There is an agent locator available on the website through which interested visitors can find their local representative and obtain a quote directly.
Claims can be reported online 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.
Ratings and Consumer Reviews
ASI has an A+ rating with the Better Business Bureau (BBB), and 119 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 reviews mixed in among the negative comments. The 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 reviews of this company, with an overall rating of just under two stars. Again, the complaints are varied in nature, and some appear to be repeated from the BBB reviews.
Overall, ASI does not have a high complaint volume, and we saw no red flags in their reputation.
The Bottom Line
ASI likely sells a lot of 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. They may be a good choice for those seeking to bundle with a Progressive auto policy for a discount.
For a list of companies that we recommend, visit our Best Insurance Companies page.