American Strategic Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified official public-facing site remains AmericanStrategic.com, now branded as Progressive Home and directing users to Progressive while retaining ASI property and flood logins. The only clearly verifiable official underwriting/appetite-style document found is the Florida Quick Reference Card. For Florida property business, ASI shows appetite for Homeowners and Dwelling Fire with Coverage A from $100,000 to $5 million, Condo from $20,000 to $1 million, and Renters contents from $15,000 to $500,000. Binding authority is stated up to $500,000, or up to $750,000 for new construction. A home inspection is required on Homeowners and Dwelling Fire after payment is received, and homes with Coverage A over $850,000 require an interior inspection; agents are instructed to set that expectation at point of sale. Operational producer guidance includes that any endorsement can be made within 30 days of new business and many thereafter; agents can process their own cancellations; effective-date changes are handled via cancel/rewrite; scheduled personal property requires itemized descriptions and values entered in the system. Payment/process notes include installment fees and minimum premiums, no premium finance agreements accepted, NSF fee of $15, and electronic checks limited to personal or agency checks, not title, mortgage, or other business checks. Flood guidance on the official site confirms ASI services NFIP flood policies nationally and, in Florida, also offers a flood endorsement option on an existing homeowners policy. Publicly verified pages did not provide a comprehensive current national appetite list, detailed declined classes, or broader geographic restrictions beyond the Florida quick-reference and Florida-specific flood endorsement note, so restricted/declined classes should be confirmed in the internal underwriting manual or agent portal before quoting. Broker/producer contact details shown on the Florida guide include Florida Underwriting, Endorsements, Inspections, and Flood Underwriting contacts, indicating submission and service remain routed through dedicated underwriting teams.