American Strategic Insurance (ASI) Review & Complaints (2024)

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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.

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.

Average Monthly Car Insurance Rates Comparison for Top 10 Companies by State

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.

American Strategic Claims Process

Ease of Filing a Claim

American Strategic Insurance (ASI) offers multiple channels for filing insurance claims, ensuring convenience for policyholders. You can file a claim through their online portal, over the phone, or using their mobile app. This flexibility allows you to choose the method that suits you best.

Average Claim Processing Time

ASI understands the importance of swift claim processing. While specific processing times may vary depending on the nature and complexity of the claim, they strive to provide timely resolutions. It’s essential to contact ASI directly for information on the average claim processing time for your specific claim.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a crucial role in evaluating an insurance company’s performance. ASI has received feedback from policyholders regarding their claim resolutions and payouts. It’s advisable to research customer reviews and testimonials to gain insights into the overall satisfaction of ASI’s claim handling process.

Digital and Technological Features of American Strategic

Mobile App Features and Functionality

ASI offers a user-friendly mobile app that empowers policyholders with various features and functionalities. The app allows you to manage your insurance policies, file claims, and access important documents on the go. You can also receive updates and alerts related to your coverage through the app.

Online Account Management Capabilities

Managing your insurance policies online has never been easier with ASI. Their online account management platform provides policyholders with the ability to view policy details, make payments, and track claims from the comfort of their computer or mobile device. This digital convenience streamlines the insurance experience.

Digital Tools and Resources

To assist policyholders in making informed decisions, ASI offers a range of digital tools and resources. These may include online calculators, educational articles, and resources to help you understand your insurance coverage better. ASI’s commitment to digital empowerment enhances your ability to navigate the insurance landscape effectively.

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 insurance claim 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.