ASI Home Insurance Review: Service, Cost & More (2022) (2023)

ASI Home Insurance Review: Service, Cost & More (2022) (1)ASI Home Insurance Review: Service, Cost & More (2022) (2)score88

3.81/5

satisfaction

4.73/5

affordability

4.5/5

stability

pros

Affordable rates

Superior financial stability

Offers personal injury coverage

cons

Average scores for customer satisfaction

Offers few add-on coverages

Verdict

MoneyGeek gives ASI a score of 88 out of 100. They have excellent scores on affordability and financial stability, despite having mediocre ratings for customer satisfaction. Additionally, they have personal injury coverage as an optional endorsement.

Does ASI Have Good Customer Service?

Following MoneyGeek’s methodology, we give ASI an overall score of 88 out of 100. This rating is based on their holistic performance as an insurance provider. Although ASI has an average score for customer satisfaction, they have outstanding scores for financial stability and affordability.

Customer Satisfaction Rating

Companies with high customer satisfaction ratings can be expected to deliver quality service, especially when processing claims. You’ll likely be in a stressful situation when filing a claim, so dealing with a company that has top-notch customer support can be a real benefit. Based on the J.D. Power 2021 U.S. Home Insurance Study, ASI’s customer service is just slightly below the industry average, with a score of 821 out of 1,000.

Customer Complaint Index

ASI

ASI has a complaint index rating of 1.08, based on a study by the National Association of Insurance Commissioners (NAIC). This score shows that the company has received a slightly higher number of complaints than the 1.00 national median score. This reflects its ability to provide quality service to its clients.

Financial Stability Rating

When looking for an insurance company, it’s important to consider its financial stability. After all, you’ll want to choose a carrier capable of paying for your claim. Financial research company AM Best gives ASI an A+ rating, which means the company has a superior ability to meet its insurance obligations.

What to Expect From ASI Homeowners Insurance

Many people struggle to set up their homeowners insurance, especially if it’s their first time. To help you with the process, MoneyGeek detailed the steps you need to take when getting an ASI homeowners insurance policy.

1

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Getting a quote

ASI’s website allows you to find their nearest agent based on your ZIP code. However, they don’t have an online quote tool.

2

Customer support

According to ASI, the best person to contact for general concerns about your homeowners insurance policy is your insurance agent. You can find your agent’s contact information in the top left corner of your policy’s Declarations Page or through ASI’s website. Additionally, ASI’s customer support team can be contacted at 866-274-8765.

3

Filing a claim

You can file a claim through ASI’s website. Likewise, their claims team is available 24/7 at 866-274-5677 to assist you.

4

Canceling your policy

To cancel your ASI homeowners insurance policy, you need to contact your agent, who will facilitate the cancellation process for you.

ASI Home Insurance Review: Service, Cost & More (2022) (3)

FILING A HOMEOWNERS INSURANCE CLAIM WITH ASI

To file a claim on your ASI homeowners insurance, you can visit their website and start the process through their Report a Claim page. You can also contact their claims team at 866-274-5677, who are available 24/7.

ASI Home Insurance Review: Service, Cost & More (2022) (4)

STATE AVAILABILITY

ASI’s homeowners insurance is available in all states except Indiana, California, Louisiana, New Mexico, New York, Texas and Utah.

How Much Does ASI Homeowners Insurance Cost?

You need to contact an insurance agent if you want to find out how much an ASI homeowners insurance policy will cost you. While homeowners insurance is $1,979 per year on average, your rates can significantly vary depending on your home’s location, age, construction type and other factors.

Scroll for more

ASI Home Insurance Review: Service, Cost & More (2022) (5)

  • Dwelling Coverage

    Annual Premium

  • 250,000

    $1,552

  • 500,000

    $1,414

The price of your homeowners insurance varies based on your location, desired limits for replacement cost coverage and personal coverage and deductible amount.

On average, $250,000 is a good limit for dwelling coverage. However, you’re better off evaluating your home’s value to find out how much coverage you really need. 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.

You can use MoneyGeek’s homeowners insurance calculator to estimate your premium prices based on your chosen coverage limits.

ASI Home Insurance Review: Service, Cost & More (2022) (6)

ASI Home Insurance Review: Service, Cost & More (2022) (7)

(Video) 3 Reasons Why You Want Erie Insurance Homeowners Policy

Home Insurance Calculator

State

Alabama

Dwelling Coverage

$100,000

Deductible

$500

Liability

$300,000

Personal Property

$20,000

Credit Score

Excellent

ASI Home Insurance Review: Service, Cost & More (2022) (8)

low end

on average

high end

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These are annual estimates. Get a personalized quote to determine your costs.

ASI Home Insurance Review: Service, Cost & More (2022) (9)

MONEYGEEK EXPERT TIP

Repairing or rebuilding your house can be extremely costly. Although you’ll save money in the short term by choosing smaller coverage limits and higher deductibles, you may spend much more on construction and labor costs than you can afford. As such, purchasing enough coverage is the best way to ensure you won’t experience financial hardship when rebuilding your home.

What Discounts Does ASI Offer?

ASI gives their policyholders seven discount possibilities, similar to other insurance companies. Most of their discounts are rarely offered by ASI competitors, including early payment, home buyer, pay-in-full and paperless discounts.

  • Discount

    Description

  • Early Payment

    Get savings on your ASI homeowners insurance by obtaining a quote at least 10 days before your policy starts.

  • Home Buyer

    ASI offers discounts to policyholders who have just purchased a home or switched from a renters insurance policy.

  • Pay-in-full

    Save money on your premiums by paying your entire year’s policy in full.

  • Paperless

    Go paperless and receive a discount from ASI.

  • Bundle

    Bundle your homeowners insurance policy with other ASI insurance products to get a discount on your premiums.

ASI Home Insurance Review: Service, Cost & More (2022) (10)

MONEYGEEK EXPERT TIP

You can get a discount on your premiums by bundling your ASI homeowners insurance with your car insurance or other insurance products. When you bundle with ASI, you can also combine your home and auto insurance deductibles, which can result in additional savings.

Which Coverage Types Does ASI Offer?

ASI homeowners insurance policyholders have three add-on coverage options, which is lower than the five that insurance companies typically offer. As such, they only offer two (out of six) standard coverages and one unique endorsement. Personal injury coverage pays for claims like libel, slander, defamation of character and invasion of privacy.

ASI offers standard coverage such as backup of sewer drain and scheduled personal property coverages. We broke down this company’s available add-on endorsements in the table below.

1

Back-Up of Sewer or Drain

This add-on coverage pays for water damage caused by backed-up sump pumps and sewer systems.

2

Scheduled Personal Property

With this optional coverage, ASI protects your jewelry, fine art and other valuable items.

3

Personal Injury

This optional endorsement pays for non-bodily damages like libel, slander, defamation of character and invasion of privacy.

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When looking for homeowners insurance, it’s a good idea to read the company’s fine print and make sure that your preferred provider offers all standard coverages. Coverage for flood, earthquake and pests is often not included in a standard homeowners policy; however, it is sometimes available as optional coverage or as a separate policy.

Whatever your required coverage limits are, make sure that your homeowners insurance carrier offers these standard coverages:

What Online Homeowners Insurance Tools Does ASI Offer?

Policyholders can use ASI’s digital tools to help them manage their homeowners policy. You can make payments and file a claim using this provider’s website.

Other ASI Insurance Products

ASI offers other insurance products aside from their homeowners insurance. You can bundle these products to get discounts on your premiums.

  • Type of Product

    Description

  • Condo Insurance

    Although condo associations have their own insurance, they only cover buildings. With ASI condo insurance, get protection for your condo unit, personal property and personal liability.

  • Seasonal Insurance

    Insure your vacation home, secondary home, or investment property using ASI seasonal insurance. This product includes dwelling and fire coverage.

  • Flood Insurance

    Since floods happen nationwide, it’s a good idea to invest in flood insurance. It covers your home’s structure and contents from water damage due to floods.

  • Umbrella Insurance

    With ASI umbrella insurance, you can have extra financial protection in case you’re sued due to a major accident or negligent act. Umbrella insurance offers excess liability on top of your primary insurance limits.

Methodology

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. Power, the NAIC and AM Best.

About the Author

ASI Home Insurance Review: Service, Cost & More (2022) (11)

ASI Home Insurance Review: Service, Cost & More (2022) (12)

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.

sources

FAQs

Which home insurance company has the highest customer satisfaction? ›

Best Overall: USAA

It swept the competition in The Zebra's customer satisfaction survey, securing first place in every category. With nationwide availability and a decades-long history, USAA is trusted by many homeowners policyholders.

Which home insurance company has the lowest complaint index? ›

Relative to its size, Chubb also has the fewest customer complaints reported for home insurance based on data from the NAIC. The National Complaint Index from NAIC is a measurement of complaints made against an insurance company.

Is Asi a part of progressive? ›

American Strategic Insurance / Find an Agent

ASI is now part of the Progressive Group of Insurance Companies. We're working together to bring you more savings and protection.

Is American Strategic the same as progressive? ›

American Strategic Insurance (ASI) provides moderate- to high-priced homeowners insurance policies and receives poor marks for coverage options and customer service. However, it has a strong financial backing as a majority-owned subsidiary of Progressive Insurance, making it a stable, if somewhat overpriced, option.

What is the most trusted insurance company? ›

  • USAA. 4.3. U.S. News Rating. USAA is the best insurance company in our ratings. ...
  • State Farm. 4.2. U.S. News Rating. ...
  • Farmers. 4.1. U.S. News Rating. ...
  • Nationwide. 4.1. U.S. News Rating. ...
  • Geico. 4.1. U.S. News Rating. ...
  • Allstate. 4.0. U.S. News Rating. ...
  • Travelers. 4.0. U.S. News Rating. ...
  • Progressive. 3.9. U.S. News Rating.
4 days ago

Why did home insurance go up 2022? ›

Insurance companies are increasing rates to make up for billions of dollars in losses due to worsening climate disasters, and surging inflation means homes require more dwelling coverage to pay for rebuild costs. The combination of these factors has resulted in some fairly drastic rate increases in 2022.

Can you negotiate home insurance rates? ›

You cannot negotiate your homeowners insurance quote, but you can lower the amount you pay by taking a variety of steps—maintaining a good credit score, paying in full, installing protective devices, researching discounts, and more.

How do I know if my insurance agent is good? ›

The most important quality that makes a good insurance agent or broker is commitment. It is imperative that the insurance agent is committed and in it for the long haul. Indeed, it can be a frustrating episode if it is different persons serving you when you sign your policies and when you make claims.

How do I choose the right home insurance? ›

When choosing a homeowners insurance company, look for one that:
  1. provides coverage in your area.
  2. has competitive rates and good discounts.
  3. has a good financial strength rating.
  4. has good reviews from professional sources and customers.
  5. offers 24/7 assistance through its website, live operators, or a local agent.
21 Apr 2022

What is ASI insurance rating? ›

Following MoneyGeek's methodology, we give ASI an overall score of 88 out of 100. This rating is based on their holistic performance as an insurance provider. Although ASI has an average score for customer satisfaction, they have outstanding scores for financial stability and affordability.

Who is ASI owned by? ›

The ASI group's parent company is ARX Holding Corp., which Progressive Corp. owns. ASI also proudly holds a rating of A (Excellent) from A.M. Best Co., the leading independent rating organization for insurance companies.

Are ASI and Progressive the same company? ›

Progressive Home—formerly American Strategic Insurance (ASI)—provides property insurance to our customers as part of the Progressive Group of Insurance Companies.

What is ASI HomeShield package? ›

HomeShield: The HomeShield package includes dwelling replacement cost coverage (up to 25% of the limit), personal property replacement cost coverage (up to 25% of the limit), personal injury coverage, $5,000 in water backup coverage, $2,500 in loss assessment coverage, $1,000 in credit card or fraud coverage, $250 in ...

Who is Progressive Insurance biggest competitor? ›

State Farm is the number one auto insurance company in the country in terms of market share and premiums written, followed by Geico, Progressive and Allstate.

Did Progressive Buy ASI? ›

ASI is headquartered in St. Petersburg, Florida. These expansion goals are largely attributed to its acquisition by Progressive in April 2015. While this transaction allowed Progressive to have a controlling interest of 67%, Progressive has owned as much as 5% since 2012.
...
American Strategic Insurance.
TypePrivate
Websitewww.AmericanStrategic.com
6 more rows

Who is the top five insurance company? ›

State Farm is the number one auto insurer in the U.S., followed by Geico, Progressive, Allstate and USAA. State Farm has a market share of 16% for car insurance, and the company sells policies online as well as through agents across the country.

What is the most popular insurance plan? ›

Preferred provider organization (PPO) plans

The preferred provider organization (PPO) plan is the most common insurance coverage plan offered by employers.

Who is the number 1 insurance company in the world? ›

Ping An Insurance Group

Is homeowners insurance increasing 2022? ›

As of January 2022, existing customers renewing their home or motor insurance will pay no more than new customers.

Are insurance premiums going up in 2022? ›

The average annual premiums in 2022 are $7,911 for single coverage and $22,463 for family coverage. These amounts are similar to the premiums in 2021 ($7,739 for single coverage and $22,221 for family coverage). The average family premium has increased 20% since 2017 and 43% since 2012.

Is it normal for home insurance to increase every year? ›

In most cases, the premium of your home insurance will increase each year. Premiums often increase to keep up with inflation and the age of your home. If you submitted a claim against your policy, this could also impact your insurance score and home insurance premium.

What are 5 ways to reduce homeowners insurance costs? ›

IN THIS ARTICLE
  • Shop around.
  • Raise your deductible.
  • Don't confuse what you paid for your house with rebuilding costs.
  • Buy your home and auto policies from the same insurer.
  • Make your home more disaster resistant.
  • Improve your home security.
  • Seek out other discounts.
  • Maintain a good credit record.

What are 3 ways you can lower the cost of your homeowner's insurance? ›

Knowing what type of coverage you need is critical and should include dwelling, personal property and loss-of-use coverage. To cut costs, you can hike your deductible, get discounts on home upgrades and shop around every few years.

What is the 80% rule in insurance? ›

The 80% rule means that an insurer will only fully cover the cost of damage to a house if the owner has purchased insurance coverage equal to at least 80% of the house's total replacement value.

What is the failure rate of insurance agents? ›

Once you earn your license as an insurance agent, you immediately want to get out there and begin making money. Yet, statistics show though that many new agents don't make it very far. For instance, over 90% of new life insurance agents quit within year one. Many more depart within five years.

How do I choose a home insurance broker? ›

How to Choose the Right Insurance Broker
  1. Your Small Business's Interests. The most important aspect you should look for when searching for the right insurance your broker is to ensure the broker will act on your behalf. ...
  2. Approachable & Transparent. ...
  3. Focus on Specialities. ...
  4. Are they Reputable? ...
  5. More Than Just Business.

What questions should you ask an insurance agent? ›

Start a conversation: 8 questions to ask your insurance agent.
  • What is my deductible? ...
  • What is my premium? ...
  • What happens if I get in a car accident? ...
  • Does my homeowners insurance policy offer enough protection? ...
  • Is it time for me to consider life insurance? ...
  • Do I have enough liability coverage? ...
  • Do I need an umbrella policy?
6 Jan 2021

What are 2 things not covered in homeowners insurance? ›

Standard homeowners insurance policies typically do not include coverage for valuable jewelry, artwork, other collectibles, identity theft protection, or damage caused by an earthquake or a flood.

What makes a house high risk for insurance? ›

A home may be considered high risk for several reasons. The location could make it high risk, especially if the area has high crime rates or higher-than-average homeowners claims because of weather. A high-risk home could also be a vacation rental or a second home you don't live in year-round.

What are the 3 biggest factors in determining the cost for homeowners insurance? ›

Factors like where you live, your home's replacement cost, and your policy deductible generally affect your home insurance premiums the most.

What are the benefits of ASI? ›

Benefits – after achieving ASI Certification, respondents found that the main benefits were to: Demonstrate sustainable practices to external stakeholders. Improve business practices resulting from the Certification process.

Is ASI part of USAA? ›

USAA will broker it with ASI, which was bought by Progressive, and is now under the name Progressive Home. USAA only offers one choice for home insurance currently. You have to call a 1-800 number and will get a different person on the phone every time you call.

When did Progressive Buy ASI? ›

"We've been working with Progressive for years and have achieved a great deal together." Progressive has been tethered to ASI for almost five years, Auer said, starting with ASI promoting Progressive as an auto option to prospective property insurance customers. In 2012, Progressive bought a small stake in ASI.

How do I cancel my ASI insurance? ›

Please contact your ASI Account Manager at 800-546-1350, prompt 4 or make a selection from the ASI Store. Can I remove products or services from my ASI account? Yes, you are able to remove services or cancel your account. Please contact your ASI Account Manager at 800-546-1350 for more information.

What kind of company is ASI? ›

The Advertising Specialty Institute (ASI) is the largest media, marketing and education organization serving the promotional products industry. ASI connects suppliers and distributors through ASI's robust industry-leading network, which boasts over 25,000 supplier and distributor members.

How do I cancel my ASI account? ›

YOU may CANCEL your ASI Rewards Annual Membership at any time by calling ASI Hastings at the following toll-free phone number (833) 523-4925 or by sending ASI Hastings an email at ClubMembership@asiheatingandair.com.

What is ASI preferred? ›

ASI Preferred Insurance Corp. operates as an insurance company. The Company offers homeowners, condos, renters, investments, umbrella, and flood insurance services. ASI Preferred Insurance serves customers in the State of Florida.

Who is behind Progressive Insurance? ›

Progressive is owned by its shareholders, as it is a publicly-traded company. The biggest shareholders are The Vanguard Group, BlackRock Fund Advisors, and Wellington Management, which have a combined ownership stake of almost 20%, according to public records, as of Q1 2021.

Is Progressive owned by Geico? ›

Geico is not owned by Progressive. Berkshire Hathaway owns Geico, while the Progressive Corporation is an independent company. Progressive is the second-largest auto insurance company in the U.S., according to the NAIC.

What is HomeShield Plus package progressive? ›

HomeShield Plus Package

50% increased replacement cost. Special personal property coverage. Personal property coverage limit = 70% Coverage A (Dwelling) $10,000 water backup and sump overflow. Personal injury.

What is HomeShield R package progressive? ›

Homeshield R package: This coverage increases the limits on certain types of items. For example, it increases the coverage for theft or loss of collectibles (such as comic books, trading cards and memorabilia) from $1,000 to $2,500. It also provides personal injury coverage and water backup/sump pump coverage.

What is HomeShield USA? ›

American Home Shield Corporation is an American home warranty company based in Memphis, Tennessee. It administers home warranty contracts on major home systems and appliances.

What are America's Top 10 2022 insurance? ›

Joining Nationwide in recognition across five categories are Alfa Insurance, Allstate, American Family Insurance, Erie Insurance, Farm Bureau Insurance, Liberty Mutual, Progressive, State Farm and USAA.

Does Progressive have a good reputation? ›

Progressive is rated 4.3/5 by WalletHub's editors, based on sample quotes, reviews from customers, and ratings from the Better Business Bureau (BBB) and J.D. Power. Progressive customer reviews highlight the company's low prices, but they also describe poor customer service experiences and lackluster coverage at times.

Who is the leading insurance company in the US? ›

State Farm Group

Is ASI a good brand? ›

ASI rates poorly in customer reviews, receives an above-average number of complaints and is one of the worst-performing home insurance firms with regard to customer satisfaction ratings.

Does Allstate own Progressive? ›

No, Progressive and Allstate are separate companies. The Progressive Corporation and The Allstate Corporation are both independent, publicly held companies.

Who owns Progressive Home Warranty? ›

Hub International acquires Progressive Home Warranty and Pacific Home Warranty.

Who is best home insurer in UK? ›

Best Home Insurance Companies in the UK 2022
  1. Admiral. Family legal protection. ...
  2. Alan Boswell. 'All risk' coverage. ...
  3. Homeprotect. New-for-old cover. ...
  4. The AA. 24/7 legal helpline. ...
  5. MoreThan. Up to £200 home emergency assistance. ...
  6. Swinton. Cover for high-value properties (over £500,000) ...
  7. John Lewis Finance. ...
  8. Aviva.

Whats the best home insurance company in UK? ›

Here are the top-performing brands when it comes to customer service, according to the comparison website.
  • Tesco Bank. Customer satisfaction rating: 4.5 stars. ...
  • Direct Line. Customer satisfaction rating: 4.5 stars. ...
  • Aviva. Customer satisfaction rating: 4.5 stars. ...
  • AXA. ...
  • Admiral. ...
  • Churchill. ...
  • More Than. ...
  • Endsleigh.
3 Oct 2022

What is the average home insurance cost UK? ›

On average, a typical UK home is worth around £230,000 and contains some £35,000 worth of goods – which is what makes home insurance so important. The average cost of it isn't huge (between £146 and £152 per year) but the cost of not having it can be disastrous.

How can I lower my home insurance UK? ›

There are a number of things you can do to cut the cost of your home insurance premium.
  1. Shop around. ...
  2. Don't over-insure. ...
  3. Combine buildings and contents insurance. ...
  4. Secure your home. ...
  5. Choose to pay a higher excess. ...
  6. Pay your premium in one go. ...
  7. Maintain your no claims discount. ...
  8. Accurately calculate the value of your contents.

Is home insurance cheaper if you are older? ›

Is home insurance cheaper if you're over 50? Home insurance can be cheaper for over 50s. In general, this is because insurance providers consider older people to be lower risk as they're less likely to make a claim. And when they do claim, it's often for smaller amounts.

Should I shop around for house insurance? ›

You should also shop your homeowner insurance every year or two. While that's totally counterproductive, and there is equity in a customer keeping the same carrier for many years, you may find your carrier wants to keep a good customer and will reward him or her with a lower rate.

Who is the number 1 insurance company in the UK? ›

Admiral Group

The Admiral Group is the largest auto insurance company in the UK with 14% of the motor insurance market, underwriting policies through their Admiral, Bell, Diamond, elephant.co.uk and Gladiator brands.

What insurance sells the most? ›

According to a 2021 NAIC report, Northwestern Mutual, New York Life, Metropolitan, and Prudential are the four largest life insurance companies in the United States, all together holding 31.09% of the market.

Which insurance company has the best financial rating? ›

Companies with the very best ratings include Geico, State Farm, Mass Mutual and New York Life; they all have the highest possible rating of A++.
...
Financial ratings comparison of top auto and home insurance companies.
Insurer nameRating (A.M. Best)
ProgressiveA+
State FarmA++
TravelersA++
USAAA++
7 more rows
7 Jun 2022

Who is the biggest insurance agent? ›

The largest insurance brokerage by revenue is Marsh McLennan. Combined, the top 15 largest insurance brokerages earned more than $75 billion in revenue in 2021.

What are the four main insurance rating companies? ›

The four major insurance company rating agencies in the U.S. are A.M. Best, Moody's, Standard & Poor's, and Fitch.

What are the disadvantages of using an insurance broker? ›

Insurance brokers aren't trained by insurance companies like insurance agents are. So, they might not know all the specific details or be aware of available discounts and offers. This means that, they could be costing their clients a lot of unnecessary expenses.

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