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 ASI/Progressive Home public materials remain limited; the best confirmed underwriting/appetite document located is the Florida Quick Reference Guide PDF currently still hosted on the carrier CDN. Operationally, ASI writes personal residential property with Homeowners, Dwelling Fire, Condo, Renters and Flood references shown in the guide, with Home and Flood clearly supported on the public site. Preferred business in the verified guide is standard personal residential property in Florida with broad dwelling limit capacity: Homeowners and Dwelling Fire Coverage A from $100,000 to $5 million, Condo Coverage A from $20,000 to $1 million, and Renters contents from $15,000 to $500,000. The flood endorsement shown is positioned for homes needing higher limits, with building limits from $100,000 up to $5 million and contents up to $1 million; replacement cost on building and contents is referenced, including primary and secondary homes. Geographic note: the verified underwriting guide is Florida-specific, and it explicitly states that homes in Special Flood Hazard Areas (Zones A or V) must carry flood insurance; in Florida, that flood policy must be written through Progressive/ASI with matching building limits or the maximum available. Restricted/declined indicators available from the verified guide are limited but important: ineligible dog exposure includes Akitas, American bulldogs, chow chows, Doberman pinschers, mastiffs, pit bulls, Rottweilers, Staffordshire terriers, wolf hybrids, mixed breeds or variations of those types, any dog with a bite history, and any dog underwriting deems ineligible. Coverage/binding notes: binding authority is shown up to $500,000, or $750,000 for new construction. Homes with Coverage A above $850,000 require an interior inspection. A home inspection is performed on Homeowners and Dwelling Fire by a third-party vendor after payment is received, so producers should set inspection expectations at point of sale. Submission/producer instructions found on official ASI materials: coverage is obtained by submitting an application to an ASI agent and all business is subject to underwriting approval. The policyholder support guide states that if an application is not electronically signed within 15 days, a signed paper application is required within 30 days of the effective date or the policy will be canceled; this is a notable follow-up item for agents. Agent servicing instructions in the Florida guide note that agents can process their own cancellations, can use cancel/rewrite to change effective dates, and must include a detailed description plus price for each scheduled personal property item entered in the system. Additional broker notes from the guide: endorsements may generally be made within 30 days of new business and many thereafter; sinkhole coverage may only be added within 30 days from inception or at renewal, is subject to underwriting approval, and requires an inspection through the carrier-designated vendor, with inspection/payment not guaranteeing acceptance. Payment/admin notes relevant to placement: installment fees and minimum premiums apply, premium finance agreements are not accepted, NSF fee is $15, and electronic check payments may only be personal or agency checks, not title, mortgage, or other business checks. Because the verified underwriting document is dated June 16, 2021 and states guidelines are subject to change, treat this as the latest publicly verified official appetite guidance found, not a comprehensive current nationwide underwriting manual.