ASI Lloyds Consumer Complaints

American Strategic (ASI) Home Insurance: Given its fairly standard coverage, ASI's homeowner's insurance plans are expensive, but it does provide some competitive incentives on coverage options that can help you get a better rate.

For example, in New Mexico, you can get a 15% discount for paying your annual policy in total upfront, plus a 10% discount for keeping a personal umbrella policy, for a total of a 25% discount on the policy.

In certain regions, ASI works with car insurance providers, such as Progressive, to provide incentives for bundling the homeowners and auto insurance. In the world of homeowners insurance, bundling discounts are popular, but ASI stands out with a one-of-a-kind single-deductible package for your auto and home insurance bundle.

ASI operates through independent insurance brokers rather than offering online quotes, but it does provide online policy management and payment solutions. Customers profit from the agent model because they have a single point of contact, but the organization has a bad reputation for customer service. Consumer ratings are wrong, and ASI receives an above-average number of complaints, making it one of the worst-performing home insurance companies in terms of customer satisfaction.

Bottom Line: ASI is a well-established home insurance company with offices in 41 states that offers a conventional, agent-based business model to consumers, but one with low customer service scores. The purchasing of ASI by Progressive gives it a good reputation, but that doesn't make up for its service and price competition shortcomings. If partnering with a reputable insurer is essential to you and taking advantage of ASI's numerous discounts, it may be worth getting a quote from American Strategic Insurance. Otherwise, you're more likely to find a cheaper scheme from a competitor with superior customer service.

Discounts on ASI Home Insurance

If you buy a car or qualify as a low-risk customer, ASI offers a range of discounts that can slash the premiums by up to 55 percent off the base price.

Car owners can take advantage of one of ASI's best perks by bundling their homeowner's insurance with an auto policy written by an ASI-preferred partner for a lower premium.

Bundling may also include a specific single-deductible option, depending on your state. If a protected peril affects your home and your car, you may only be responsible for the vehicle deductible. Progressive Home Advantage, Geico, and USAA are among the favored partners. Discounts for this package differ, but in New Mexico, a regular preferred partner discount will reduce your home insurance premium by around 10%.

ASI also provides exclusive discounts on third-party water leak detection, fire safety, and burglar protection devices. If you're searching for ASI homeowners insurance, we recommend looking into these choices because they will help you save money on your premium. For example, ASI offers a 15% discount on leakSMART water monitoring systems, which qualify you for a discount on your insurance premium if you install one.

The effect of ASI's home insurance discounts on your premium varies depending on your circumstances and venue. For example, in New Mexico, the electronic policy discount is only $10, while the paid-in-full policy discount is approximately 15%. Combining the right premiums, on the other hand, will save you a lot of money. If you qualify for enough coupons, your home insurance premiums in New Mexico can be lowered by up to 55 percent.

ASI homeowners insurance quotes are moderate to expensive as compared to other major insurers. Below, we compared ASI's quotes to those of three notable competitors: AIG, Amica, and Travelers. ASI premiums were consistently among the highest in our survey, trailing only Amica through three policy limits. If you're thinking of buying ASI insurance, ask your insurer about taking advantage of any of their offers to close the price gap with rivals.