However, ASI has excellent financial strength, with an A+ rating from AM Best. In addition, the company has higher than average customer complaints as reported by the National Association of Insurance Commissioners (NAIC). Although ASI didn’t appear at the very bottom of these lists, the company was beat out by a number of reputable providers. Home Insurance Study and in the 2020 U.S. Overall, ASI reviews indicate that the company doesn’t have the most outstanding customer satisfaction.
Single deductible discount (bundle customers only).However, ASI offers a variety of common homeowners insurance discounts that can help you get a cheaper policy: The average cost of home insurance in the United States is $1,211 per year for $200,000 in dwelling coverage. Homeowners insurance can be costly depending on where you live, how much coverage you need, your claims history and other variables. It includes replacement cost coverage for up to 50% of the dwelling, unlimited replacement cost coverage for personal items, personal injury coverage, ordinance/law coverage, $10,000 in water backup coverage, $5,000 in loss assessment coverage, $2,000 in credit card or fraud coverage, $500 in lock replacement coverage, $1,000 in fire department service charge coverage, and $1,000 in theft coverage for individual valuable items. HomeShield Plus: The HomeShield Plus package includes everything from the HomeShield package, but with higher coverage limits.HomeShield: The HomeShield package includes dwelling replacement cost coverage (up to 25% of the limit), personal property replacement cost coverage (up to 25% of the limit), personal injury coverage, $5,000 in water backup coverage, $2,500 in loss assessment coverage, $1,000 in credit card or fraud coverage, $250 in lock replacement coverage, $750 in fire department service charge coverage, and $1,000 in theft coverage for individual valuable items.Basic coverage: ASI homeowners insurance policies include dwelling, personal property, liability, medical payments and loss of use coverage.
Home protector plus review full#
Here is a full list of the home coverage packages available through ASI: Keep in mind that coverage options vary by state, so we recommend talking to an agent to find out what policies are available where you live.
However, ASI does offer a few endorsement packages with add-on coverages for specific protection. Standard ASI home insurance policies include basic coverage that you would find from any other property insurance company.
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