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
Carrier now operates as Progressive Home (property policies underwritten by American Strategic Insurance / ASI) and distributes primarily via independent agents and Progressive bundling platforms. Property products focus on standard and preferred personal residential risks with tight inspection-driven underwriting and ongoing appetite management. Preferred business - Owner-occupied, 1–2 family dwellings with good condition roofs and major systems, no prior severe losses, and non‐coastal or lower‑catastrophe areas for wind/hail where available. - Progressive has publicly emphasized a focus on owner‑occupied homes and bundled accounts (auto + home) and continues to offer Homeowners, Renters, Condo, Flood and Umbrella, while discontinuing DP‑3 in many states to free capacity for HO business. - Homes meeting required inspection standards; 4‑point or similar inspection often ordered on new business in cat‑exposed states like Florida; a home inspection is performed on Homeowners and Dwelling Fire in Florida under current quick‑reference guidance. Restricted or declined risks - Certain construction, siding, or roof conditions may be outside underwriting guidelines; inspections can trigger non‑renewal or cancellation if siding or other features fall outside guidelines, or if roofs are older/poor condition. - Homes in Special Flood Hazard Areas (Zone A or V) must carry separate flood insurance with building limits matching the HO limit or the NFIP maximum; risks without acceptable flood coverage must be submitted to underwriting prior to binding under at least some ASI programs. - Company has tightened property appetite in multiple states: actions include ceasing Dwelling Fire (DP‑3) new business, increasing minimum wind/hail deductibles, and mandating a roofing materials payment schedule endorsement in certain markets; carriers in this segment are also restricting roofs above specific age thresholds in some states. - Non‑owner‑occupied or DP risks are de‑emphasized; DP‑3 is being exited, and landlord or seasonal risks may not be eligible in some geographies except under legacy or residual programs. Geographic / catastrophe notes - ASI historically concentrated in cat‑exposed states (e.g., FL, coastal states); recent actions, regulatory filings, and market communication show tightened underwriting and capacity management in those regions. - Florida: quick‑reference materials note that home inspections are required on Homeowners and Dwelling Fire, with dedicated underwriting and endorsement mailboxes (e.g., FLUnderwriting and FLEndorsements). Guidelines are state‑specific and subject to change. - Some states and coastal zones may be closed, heavily restricted, or limited to renewals only depending on current catastrophe load and regulatory actions; agents should confirm live appetite and moratoriums through Progressive/ASI portals. Flood - ASI writes flood as a companion product in many states, often tied to NFIP rules and FEMA manuals. NFIP definitions of building and coverage apply; ASI flood policies reference NFIP building definitions and underwriting rules. - In SFHAs, homeowners coverage is conditioned on having acceptable flood coverage; if the flood policy is not with an AM Best A‑rated (or equivalent) carrier, risks must be submitted to underwriting before binding in at least some programs. Properties with unusual flood characteristics may require additional underwriting review in alignment with NFIP specific‑rating guidance. Submission and documentation expectations - New business commonly requires: • Completed ACORD/HO application with full prior loss history. • In coastal/CAT states: recent inspection, 4‑point and wind‑mitigation reports, photos, and proof of acceptable roof condition. • For homes in SFHAs: evidence of NFIP or qualifying private flood policy with required limits. - Florida quick‑reference documentation directs agents to specific underwriting and endorsements email boxes and indicates that an inspection will be ordered on Homeowners and Dwelling Fire; guidelines may vary by program and are subject to change. Broker / producer notes - Property business is marketed as Progressive Home (formerly ASI). Agent alignment with underwriting quality expectations is emphasized; Progressive has stated that actions such as exiting DP‑3, raising wind/hail deductibles, and mandating roof schedule endorsements are part of a strategy to strengthen the property book and capacity for preferred HO risks. - Agents should check the Progressive/ASI agency portal or state‑specific quick‑reference and appetite tools for live state availability, moratoriums, and current roof age/flood and coastal guidelines, as appetite is actively managed by state and territory. Operationally: prioritize owner‑occupied HO in acceptable territories with strong condition and inspection results, ensure SFHA properties carry compliant flood coverage, avoid placing marginal roofs, unconventional siding or construction, or high‑cat exposures without pre‑clearance, and use Progressive’s home/ASI portals and state quick‑reference guides for current detailed rules.