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Log in to your ASI account to manage payments and view your policy’s information. Medical payments coverage helps pay for your guest’s medical bills if they are injured in your house. This covers doctor visits, x-rays, physical therapy and follow-up check-ups. This covers the repair and replacement of structures within your property that aren’t connected to your house, such as fences or sheds. With this optional coverage, ASI protects your jewelry, fine art and other valuable items. Get a discount by installing burglar alarms, fire alarms, automatic sprinklers and other security systems in your house.
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What is ASI’s insurance rating?
Because ASI is part of the Progressive Group of Insurance Companies, it shares financial strength ratings. ASI earns an A+ rating through AM Best, as part of its relation to Progressive, highlighting the carrier’s historical ability to payout claims. ASI scores an 821 out of 1,000 points possible with the 2021 J.D. Power Home Insurance survey, and 816 for renters in the same study, which indicates there is room for improvement with customer satisfaction.
All information is presented without any warranty or guarantee to you. ASI offers a wide range of coverage options and policies to fit your individual needs and budget. Additional coverage options are also available, such as increased limits on jewelry or personal injury. This is why it is important to contact a local agent so that you can find out more about the ASI home insurance discount options available to you. To find if you can get ASI home insurance in your state, log on to the ASI website and enter your zip code to find and talk to a local independent agent.
Why should I buy homeowners insurance?
At ASI we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. A homeowners policy not only protects your home and it’s contents; it also protects you and your family. However, now it’s just as important to have a homeowners insurance policy that fits your needs.
Personal injury coverage pays for claims like libel, slander, defamation of character and invasion of privacy. ASI offers more ways to further customize a homeowners insurance policy if a homeowner is looking for more robust options. ASI offers a HomeShield package and a Homeshield Plus option, in addition to the basic coverage. ASI does not offer a mobile app for homeowners insurance policyholders. You can contact the customer service department with Progressive which operates 24/7.
American Strategic (ASI) Home Insurance Review
It is also important to note that an ASI home insurance policy is going to vary depending on the state you live in, and your zip code. Has to offer, we have also read reviews that have been left by past customers on multiple review websites to gauge the strength of the various offers and features of ASI home insurance. To evaluate ASI as a homeowners insurance company, MoneyGeek analyzed the ASI website, manually collected quotes and consulted consumer intelligence organizations such as J.D.
This reflects its ability to provide quality service to its clients. Founded in 1997, American Strategic Insurance, also known as ASI, is trusted by thousands of families to protect their homes, belongings and, most importantly, their financial well-being. Although ASI is a relatively newer company, they are growing and considered as one of the 18 largest homeowners insurance carriers in America. Expensive Premium – Some might find the price of its premium a bit high as compared to other home insurance providers. This does not make ASI home insurance an attractive option for those people who are looking for affordable home insurance that allows them to bundle various features. The average cost of an ASI homeowner insurance policy (12-months) will range from around $676 to $2,044 per month.
ASI insurance has always enjoyed a high BBB rating and currently has an A+. Of A+, which is a good testament to the high quality of service that ASI offers. You can visit their website to find out about the average home insurance cost by state.
For example, in New Mexico, the electronic policy discount is only $10, while the discount applied to paid-in-full policies is approximately 15%. However, combining the right discounts can result in substantial savings. If you prioritize working with an established insurer and can take full advantage of ASI's discounts, then it may be worth getting a quote from American Strategic Insurance.
Aside from dwelling coverage, you also need to decide limits for other coverages in your homeowners policy, such as other structures, personal property, loss of use and more. Given ASI's poor customer service ratings, you should be aware of what your coverage entails and be persistent in seeking appropriate payments when filing a claim. Customer reviews of the claims process consistently mention inaccurate assessments of damage and unresponsiveness by the claims department.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different. From a financial perspective, ASI and its affiliates are considered in "Superior" financial condition, receiving an "A+" rating from AM Best.
HomeShield broadly increases limits and coverage for many of the components of the standard policy. Flood insurance is generally not included in homeowners insurance policies, but you can purchase National Flood Insurance Program coverage as an endorsement to your policy through ASI. ASI home insurance offers varied options and discounts depending on your specific requirements.
In addition, the company has higher than average customer complaints as reported by the National Association of Insurance Commissioners . Also included in your homeowners policy is Liability Coverage to safeguard you and your household members from injury or property damage claims that occur in and outside of your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued. ASI offers standard coverage such as backup of sewer drain and scheduled personal property coverages.
ASI operates as a collective group of subsidiaries that specialize in insurance under the parent company ARX Holding Corp., with Progressive being the controlling shareholder. Thus there are a number of affiliates that you can contact if you are looking for ASI home insurance in your state. Personal property coverage protects your electronics, furniture, clothes and other personal belongings inside your house. ASI’s website allows you to find their nearest agent based on your ZIP code. Further, ASI's complaint ratio, compiled by the National Association of Insurance Commissioners, is 1.05 versus a national average of 1.00. This means the company receives slightly more complaints than average.
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