Our American Strategic Insurance Company Score
2.5 Stars
We award American Strategic Insurance a final rating of 2.5 out of 5 stars. ASI was acquired by Progressive in recent years and now shares a website with the latter carrier. ASI has excellent ratings by AM Best and the BBB, but is not accredited and has had thousands of complaints filed against it.
American Strategic Insurance was founded in 1997, giving the carrier nearly 30 years of experience in the insurance industry. ASI is a part of the Progressive Group of Insurance Companies and has grown to be one of the US's 15 largest residential property insurance companies. In 2014, ASI sold its millionth insurance policy. The carrier offers various types of property insurance and flood insurance.
Though ASI is a part of the much larger Progressive Group of Insurance Companies, there's not much information available about this specific carrier. This could be confusing for prospective and existing customers alike. Overall, we recommend working together with an independent insurance agent to survey all your options for property and flood insurance before looking into coverage from ASI.
American Strategic Insurance (ASI) Pros and Cons:
| Pros: | Cons: |
|---|---|
Founded in 1997
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Website is now shared with parent company, Progressive
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Part of the Progressive Group of Insurance Companies
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Not much specific information about ASI is available online
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Rated "A+" (superior) by AM Best
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Thousands of customer complaints filed through the BBB
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Rated "A+" (excellent) by the Better Business Bureau (BBB)
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Not a BBB-accredited carrier
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American Strategic Insurance Products by Type
ASI offers several coverage options for individuals, including the following:
Personal Insurance:
American Strategic Insurance Homeowners Insurance
ASI's homeowners insurance is now sold through its parent company, Progressive. The carrier's homeowners insurance includes all the standard coverages, including for the dwelling, contents, liability, and loss of use. ASI and Progressive's home insurance policies also offer the following optional add-ons.
Coverage types, features, & benefits
Water back-up and sump discharge or overflow
ASI and Progressive's home insurance policies provide the option to add coverage for water damage stemming from sewer, drain, and sump pump backups, overflows, or discharges.
Personal injury
ASI and Progressive's home insurance policies also provide the option to add coverage for personal injury, which can cover your legal defense costs if you are sued for a claim of slander or libel, and can pay for expenses related to malicious prosecution, wrongful eviction, wrongful entry, and false arrest, detention, or imprisonment.
American Strategic Insurance Homeowners Insurance Average Prices
Progressive states that the average cost of a homeowners insurance policy from one of the carriers in its network ranges from $1,090.08 annually ($90.84 monthly) to $3,353.74 annually ($279.48 monthly). The cost of your specific policy may vary depending on your location, claims history, and other factors. You can get a better idea of how much a homeowners insurance policy might cost you by using our home insurance calculator. An independent insurance agent can also help you get home insurance quotes from Progressive and ASI.
What Discounts Does American Strategic Insurance Offer?
ASI/Progressive lists the following home insurance discounts on its official website:
Homeowners Insurance Discounts:
- Bundling discounts
- Safety and alarm discounts
- Advance quote discounts
- New purchase discounts
- Email documents discounts
- New home construction discounts
- Pay-in-full disconts
- Florida wind mitigation discounts
An independent insurance agent can help you obtain more information about discounts available from ASI and Progressive. Independent insurance agents work hard to help you save the most money possible on your coverage.
American Strategic Insurance Customer Service
ASI now shares a website with its parent company, Progressive. As such, ASI's customer service options are the same as Progressive's. Here's a breakdown of Progressive and ASI's customer service options and availability.
- 24/7 live reps available online
- 24/7/365 phone customer service
- Snail mail
- Progressive's phone customer service department is always open.
| Days | Hours |
| 24/7 | 2/7 |
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
American Strategic Insurance FAQs
What is American Strategic Insurance's average claim response timeframe?
ASI and Progressive do not provide a specific claim response timeframe promise.
What is American Strategic Insurance's customer service availability?
ASI and Progressive provide 24/7/365 customer service contact options via phone. Customers can also chat live with reps online 24/7 or get in touch with the carrier via email or snail mail.
What is American Strategic Insurance's claims process?
ASI/Progressive outlines the claims process on its official website as follows:
- The customer contacts the carrier to file the claim.
- The insurer requests photo evidence of the damage and other related documentation and schedules an adjuster visit.
- The insurer sends the customer a payment for the estimated claim amount.
- The customer's home is repaired, and the insurer may send additional payment if necessary.
An independent insurance agent can also file claims for you directly through ASI/Progressive and keep you updated through every step of the claims process.
Does American Strategic Insurance's website create a user-friendly experience for customers?
ASI now shares a website with its parent company, Progressive. Progressive's website is well laid out and easy to navigate. However, it may be confusing for prospective customers to find much information about ASI specifically.
Does ASI have good homeowners insurance?
Yes, ASI's homeowners insurance, which is also now Progressive home insurance, offers the standard coverage for dwelling, contents, liability, and loss of use, with a couple of additional options for water backups and personal injury.
Is ASI a good insurance company?
ASI was acquired by Progressive in recent years. While Progressive is a large carrier with a great reputation, ASI has had thousands of customer complaints filed against it through the BBB. The carrier does have excellent official ratings, but it may be worth keeping customer reviews in mind when considering getting a policy.
Who are ASI's insurance products right for?
ASI's insurance products may be right for individuals seeking various types of property insurance or flood insurance. Coverage is available nationwide.
Sources
https://www.americanstrategic.com/about-asi/our-companies-and-affiliations/
https://www.progressive.com/
https://www.progressive.com/answers/average-homeowners-insurance-cost/
https://ratings.ambest.com/CompanyProfile.aspx?BL=0&ambnum=12150&AltNum=189712150&AltSrc=3
https://www.bbb.org/us/fl/saint-petersburg/profile/insurance-companies/american-strategic-insurance-group-0653-19000514
