Considering affordability, customer service, coverage and financial stability, ASI ranks sixth overall in the nation for home insurance. The company offers the most affordable home insurance rates for newer homes and ranks highly for financial stability. Review our ratings below.
ASI Home Insurance Review
Updated: June 25, 2025
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Key Takeaways
ASI ranks fifth overall for home insurance affordability, with particularly low premiums for newer homes.
Customer satisfaction for ASI ranks seventh in the nation, but it excels in financial stability, ranking second.
ASI holds the fourth spot for coverage options, offering a well-rounded selection and add-ons like scheduled personal property coverage.
ASI Home Insurance Ratings
| Overall Rating | 58 | 6 |
| Affordability | 38 | 5 |
| Customer Satisfaction | 14 | 7 |
| Coverage | 3 | 4 |
| Financial Stability | 3 | 2 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
ASI Home Insurance Ratings by State
While ASI ranks within the top six nationally, these ratings can vary depending on your state. The table below shows how the company stacks up by location.
| Connecticut | 64 | 5 |
| Florida | 71 | 6 |
| Kentucky | 51 | 7 |
| Louisiana | 83 | 3 |
| Michigan | 54 | 5 |
| New Jersey | 58 | 6 |
| Tennessee | 61 | 6 |
| Texas | 49 | 6 |
| West Virginia | 35 | 7 |
How Much Is ASI Home Insurance?
For most homeowners, ASI home insurance costs around $280 per month and $3,356 per year. However, actual costs can range from $48 to $1,746 monthly, depending on your unique profile and coverage needs. Below, in a filterable table, we've broken down costs that can fit your profile.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
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Age of Home:Older Homes
| $250K Dwelling / $125K Personal Property / $200K Liability | $280 | $3,356 |
ASI Home Insurance Cost by State
Costs also vary heavily by state. Below, you can review pricing for ASI home insurance by location:
| Connecticut | $190 | $2,283 |
| Florida | $546 | $6,558 |
| Kentucky | $204 | $2,445 |
| Louisiana | $78 | $938 |
| Michigan | $162 | $1,941 |
| New Jersey | $132 | $1,584 |
| Tennessee | $284 | $3,406 |
| Texas | $720 | $8,639 |
| West Virginia | $201 | $2,414 |
ASI Home Insurance Coverage Options
In addition to standard coverage options, ASI offers the following add-ons:
Add-on Coverage Option | Coverage Details |
|---|---|
Scheduled personal property | Provides additional coverage for high-value items like jewelry with higher limits than standard personal property coverage |
ASI Homeowners Insurance Review: Bottom Line
Overall, ASI ranks among our top 10 for home insurance policies, and we recommend contacting it for quotes. While ASI may be a good provider, compare other options and pricing to get the best deal.
ASI Home Insurance: FAQ
Below are answers to frequently asked questions about ASI home insurance:
Is ASI home insurance good?
ASI home insurance stands out as a top choice, earning the sixth overall spot in the nation. It ranks fifth for affordability, seventh in customer satisfaction and fourth for coverage options.
How much is home insurance with ASI?
ASI home insurance for $250,000 in dwelling coverage averages around $3,356 per year, about $600 more than the national average. Your rate may vary from $576 to $20,952 annually.
How is ASI's home insurance customer service?
ASI's home insurance customer service has average rankings; making it not our top choice in that category. It placed seventh in our study and doesn't rank among top providers according to J.D. Power.
How We Rated ASI Home Insurance
We used the following base profile to determine rates for all homeowners insurance providers and judge their affordability:
- 40-year-old homeowner
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the past 5+ years
Our ratings system consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared costs relative to the national average and competition.
- Customer experience (35% of score): We considered forum ratings from customers, industry studies from J.D. Power and AM Best Financial Strength scores.
- Coverage (10% of score): This score considers add-on coverage selections relative to the average and the uniqueness of selections available.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.