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
Public, carrier-authored underwriting or appetite guides for American Strategic Insurance (ASI), now marketed as Progressive Home, are not accessible without agent portal credentials. The main ASI site resolves to a corporate/portal landing page that requires authentication and does not expose product or appetite details publicly. Based on what is verifiably published today, only very high‑level operational facts can be confirmed: • Corporate / branding notes: • ASI operates as the property arm of the Progressive Group of Insurance Companies for homeowners and related property coverages. Several agency and broker materials describe ASI as one of the largest U.S. homeowners carriers and refer to the combined offering as “Progressive Home.” ([asnoa.com](https://asnoa.com/carriers/?utm_source=openai)) • The public ASI site functions primarily as a portal entry for internal users ("Corporate Portal | Progressive Home") and for claims-service links (e.g., claim reporting URLs referenced in broker materials), not as an open appetite/underwriting guide. ([americanstrategic.com](https://www.americanstrategic.com/)) • Product indications (from official/broker documentation referencing ASI forms): • Homeowners / dwelling: Policy specimens and third‑party documents referencing "American Strategic Insurance Corp." show ASI writing homeowners and dwelling‑related property risks, including coastal states. ([ewpines.com](https://ewpines.com/insurance/2024/BLDG%201831%20-%20Policy%20-%202023%20-%202024%20%281%29.pdf?utm_source=openai)) • Flood: Some policy documents and agency marketing note flood coverage arranged through or written by ASI/Progressive Home, including NFIP‑related flood policies alongside homeowners. ([ewpines.com](https://ewpines.com/insurance/2024/BLDG%201831%20-%20Policy%20-%202023%20-%202024%20%281%29.pdf?utm_source=openai)) • Underwriting guidelines / appetite: • No current, official public underwriting manual, appetite guide, or producer‑facing eligibility list for ASI homeowners or flood was located on open Progressive or ASI domains; all detailed guidance appears to be behind an authenticated agent portal (auth.americanstrategic.com / AmericanStrategic.com corporate portal). ([americanstrategic.com](https://www.americanstrategic.com/)) • Because the detailed rules are not publicly viewable, preferred, restricted, or declined classes (e.g., roof types, protection class, prior loss thresholds, dog breeds, trampoline/pool rules, distance‑to‑coast, or wildfire exposure) cannot be reliably summarized from official carrier text. • Geography: • Public references and agency descriptions consistently characterize ASI as a large homeowners carrier active in multiple U.S. states, with particular presence in coastal catastrophe‑exposed markets such as Florida and other Gulf/Atlantic states. Exact active/withdrawn states, county‑level restrictions, or moratorium practices are not documented on public carrier pages and are typically controlled via the agent portal and state filings. ([asnoa.com](https://asnoa.com/carriers/?utm_source=openai)) • Submission / producer instructions (what can be confirmed): • Agent and broker sites that list ASI/Progressive Home indicate that appointed producers access quoting, policy issuance, and underwriting tools through the ASI/Progressive corporate portal, not through a public rater. ([academyins.net](https://academyins.net/carriers/?utm_source=openai)) • Claims for ASI policies are reported via specific ASI claim URLs on the AmericanStrategic.com domain, confirming that service functions are centralized there, but these pages likewise do not expose underwriting rules. ([marshmma.com](https://www.marshmma.com/content/dam/marsh-mclennan-agency-us/files/MMA-SE-Claims-Links-2022.pdf?utm_source=openai)) Because of the lack of publicly visible carrier‑authored underwriting content, it is not possible to provide a precise, operationally detailed appetite summary (preferred classes, restricted classes, and declinations) for ASI’s home or flood products without relying on non‑authoritative anecdotal sources. For current, binding guidance, producers must rely on: • The Progressive/ASI agent portal underwriting screens and manuals; • State‑specific underwriting bulletins distributed directly to appointed agencies; and • Filed underwriting rules and forms available via state DOI SERFF/filing systems. If you need an operational summary for internal use, it should be built from your portal access (current Progressive Home/ASI manuals and appetite tools) rather than from public web content.