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
No current, carrier‑published detailed underwriting or appetite guide for American Strategic Insurance (ASI) / Progressive Home is publicly available. Most operational guidance for agents is provided inside the secured agent/ASI portals and Progressive Home platforms, which are not accessible without credentials. Based on what is currently verifiable from official and quasi‑official references: 1) General positioning / products - ASI is a property insurer focused on homeowners and related property coverages and operates nationally, with roots and a large presence in Florida. It is owned by Progressive and often branded to agents and consumers as Progressive Home or "ASI/Progressive." ([en.wikipedia.org](https://en.wikipedia.org/wiki/American_Strategic_Insurance?utm_source=openai)) - Flood coverage associated with ASI is typically written either through the NFIP (standard WYO model) using FEMA’s Flood Insurance Manual rules, or via private flood options administered through agent platforms. Specific ASI‑only flood underwriting rules are not published; NFIP eligibility, rating, and building standards apply where a policy is an NFIP contract. ([nfipservices.floodsmart.gov](https://nfipservices.floodsmart.gov/insurance-manuals?utm_source=openai)) 2) Preferred / target homeowners business (inferred from market role and regulatory filings) - Main appetite is standard and preferred homeowners risks: primary residences with solid construction and maintenance, in territories where ASI/Progressive is actively writing and not under a moratorium or withdrawal plan. - Policies are generally written through appointed independent and captive agents. Regulatory filings stress that the company must accept business only from properly licensed agents/agencies, so you should expect that placement must go through contracted/appointed channels; direct submissions from unappointed producers are typically not accepted. ([sccvirginiagov-lb01-production.terminalfour.net](https://sccvirginiagov-lb01-production.terminalfour.net/media/sccvirginiagov-home/regulated-industries/insurance/insurance-companies/for-companies/-market-conduct-examination-reports-/10872.pdf?utm_source=openai)) 3) Restricted / declined risks (high‑level, inferred; confirm in portal before binding) Because ASI does not publish a current public appetite guide, use these as directional only and always confirm in the agent portal or with underwriting: - Roof, siding, and exterior condition: multiple consumer and agent accounts, plus Progressive‑home guidance, indicate ASI has comparatively strict inspection and condition standards. Properties with older roofs, nonstandard siding or visible deterioration are frequently subject to cancellation/non‑renewal or are declined after inspection. ([reddit.com](https://www.reddit.com/r/Insurance/comments/ckruik?utm_source=openai)) - Coastal / catastrophe exposure: as a Florida‑centric carrier with significant cat exposure, ASI’s appetite is sensitive to wind/hail and hurricane‑prone coastal areas. Expect tighter underwriting on: • Properties in close coastal proximity or in designated restricted wind zones. • Older construction without wind‑mitigation features. • Properties with prior cat losses. These restrictions are consistent with ASI’s historical cat experience reported in public discussions (e.g., high underwriting losses in Florida), though exact distance‑to‑coast and wind‑zone rules are only available inside the carrier manuals. ([reddit.com](https://www.reddit.com/r/florida/comments/mm0h9u?utm_source=openai)) - Prior losses / open claims: as with most cat‑exposed homeowners markets, multiple open or recent losses (especially fire or water) will trigger additional underwriting review and may be unbindable until resolved; this is not published by ASI but is standard across similar carriers and is often referenced by agents discussing Progressive/ASI home placements. ([reddit.com](https://www.reddit.com/r/homeowners/comments/1f48ycg?utm_source=openai)) 4) Geographic notes - Florida: ASI historically began in Florida and has taken large cat losses there. Recent third‑party benefit and HR materials referencing ASI indicate that in Florida, homeowners insurance under the ASI group is closed to new business (no new HO policies), which is consistent with the broader market retrenchment. You should assume very tight underwriting and limited or closed appetite for new HO in Florida unless your agent portal explicitly shows an open product and territory. ([ynhhs-benefits.org](https://ynhhs-benefits.org/wp-content/uploads/2023/09/YNHHS-Voluntary-Benefits-Program-Flyer.pdf?utm_source=openai)) - Other states: ASI is licensed and active in multiple states across the U.S. as a Progressive homewriting entity. State‑specific availability, forms, and rating plans are controlled within the Progressive/ASI agent portals; some territories may be under new‑business moratoria or tightened rules due to catastrophe, loss experience, or regulatory actions. Always check the live state/ZIP appetite tool in the portal prior to quoting. ([en.wikipedia.org](https://en.wikipedia.org/wiki/American_Strategic_Insurance?utm_source=openai)) 5) Flood underwriting (NFIP and related) - Where ASI or an affiliated entity participates as a NFIP WYO carrier, underwriting follows FEMA’s Flood Insurance Manual, including: • Eligibility by occupancy type and building use. • Rating by Risk Rating 2.0 methodology, elevation, and building characteristics. • Building and contents coverage limits, deductibles, and mandatory flood‑zone requirements. - Private flood or excess flood products (if available via ASI/Progressive platforms) may have their own property age, construction, and elevation requirements, but these are not published publicly; rely on the platform’s eligibility screens and underwriter guidance. ([nfipservices.floodsmart.gov](https://nfipservices.floodsmart.gov/insurance-manuals?utm_source=openai)) 6) Submission and agent expectations (from regulatory and agent‑oriented references) - Business should be submitted only by agents/agencies with current, active licenses and appropriate appointments. A recent market‑conduct examination order for American Strategic Insurance Corp. explicitly requires that the carrier accept business only from licensed producers, reinforcing that placement through unlicensed/incorrect entities may be a compliance violation. ([sccvirginiagov-lb01-production.terminalfour.net](https://sccvirginiagov-lb01-production.terminalfour.net/media/sccvirginiagov-home/regulated-industries/insurance/insurance-companies/for-companies/-market-conduct-examination-reports-/10872.pdf?utm_source=openai)) - Operationally, most ASI/Progressive home policies are transacted via Progressive’s or ASI’s secure agent portals. These systems embed many underwriting rules in real‑time (e.g., eligibility questions, distance‑to‑coast checks, roof age thresholds). Agents are expected to: • Complete all required underwriting questions honestly and fully. • Upload or provide inspection documents, photos, and mitigation forms when requested. • Cooperate with post‑bind inspections; failure to cure inspection issues frequently results in cancellation or non‑renewal. ([reddit.com](https://www.reddit.com/r/Insurance/comments/ckruik?utm_source=openai)) 7) Broker / producer notes - ASI is now tightly integrated into Progressive’s Home Advantage framework. Agents usually access ASI products from within Progressive or legacy ASI portals; standalone ASI direct agent access still exists for some users, but Progressive has been consolidating branding and processes. ([media.corporate-ir.net](https://media.corporate-ir.net/media_files/irol/81/81824/qInter/2012/12Q3/assets/pdf/Progressive2012-3Q.pdf?utm_source=openai)) - Multiple agent discussions highlight that ASI/Progressive’s homeowners underwriting is stricter than some competitors, particularly around roof age/condition and inspections. Build this into your pre‑screening: confirm roof age, updates, and visible condition before submitting to avoid quick post‑bind cancellations. - For any nuanced or borderline risk (older roof, prior losses, coastal exposure, unusual construction), agents are strongly advised to call underwriting directly or use chat/underwriter referral tools rather than relying solely on the automated quote, as guidelines have been changing rapidly in high‑cat states. Because ASI does not maintain a public appetite or underwriting manual and relies on secured portals and NFIP manuals, you should treat the above as directional only. For any binding decision, rely on the live Progressive/ASI agent portal, state‑specific program guides, and direct conversations with underwriting.