Compare Rates and Save on Home Insurance

MoneyGeek Logo IconBadge ribbonscore88








Affordable rates
Superior financial stability
Offers personal injury coverage


Average scores for customer satisfaction
Offers few add-on coverages


MoneyGeek gives ASI a score of 88 out of 100. They have excellent scores on affordability and financial stability, despite having mediocre ratings for customer satisfaction. Additionally, they have personal injury coverage as an optional endorsement.

Does ASI Have Good Customer Service?

Following MoneyGeek’s methodology, we give ASI an overall score of 88 out of 100. This rating is based on their holistic performance as an insurance provider. Although ASI has an average score for customer satisfaction, they have outstanding scores for financial stability and affordability.

Customer Satisfaction Rating

Companies with high customer satisfaction ratings can be expected to deliver quality service, especially when processing claims. You’ll likely be in a stressful situation when filing a claim, so dealing with a company that has top-notch customer support can be a real benefit. Based on the J.D. Power 2021 U.S. Home Insurance Study, ASI’s customer service is just slightly below the industry average, with a score of 821 out of 1,000.

Customer Complaint Index


ASI has a complaint index rating of 1.08, based on a study by the National Association of Insurance Commissioners (NAIC). This score shows that the company has received a slightly higher number of complaints than the 1.00 national median score. This reflects its ability to provide quality service to its clients.

Financial Stability Rating

When looking for an insurance company, it’s important to consider its financial stability. After all, you’ll want to choose a carrier capable of paying for your claim. Financial research company AM Best gives ASI an A+ rating, which means the company has a superior ability to meet its insurance obligations.

What to Expect From ASI Homeowners Insurance

Many people struggle to set up their homeowners insurance, especially if it’s their first time. To help you with the process, MoneyGeek detailed the steps you need to take when getting an ASI homeowners insurance policy.


Getting a quote

ASI’s website allows you to find their nearest agent based on your ZIP code. However, they don’t have an online quote tool.


Customer support

According to ASI, the best person to contact for general concerns about your homeowners insurance policy is your insurance agent. You can find your agent’s contact information in the top left corner of your policy’s Declarations Page or through ASI’s website. Additionally, ASI’s customer support team can be contacted at 866-274-8765.


Filing a claim

You can file a claim through ASI’s website. Likewise, their claims team is available 24/7 at 866-274-5677 to assist you.


Canceling your policy

To cancel your ASI homeowners insurance policy, you need to contact your agent, who will facilitate the cancellation process for you.

checkList icon

To file a claim on your ASI homeowners insurance, you can visit their website and start the process through their Report a Claim page. You can also contact their claims team at 866-274-5677, who are available 24/7.

dc icon

ASI’s homeowners insurance is available in all states except Indiana, California, Louisiana, New Mexico, New York, Texas and Utah.

How Much Does ASI Homeowners Insurance Cost?

You need to contact an insurance agent if you want to find out how much an ASI homeowners insurance policy will cost you. While homeowners insurance is $1,979 per year on average, your rates can significantly vary depending on your home’s location, age, construction type and other factors.

Dwelling Coverage
Annual Premium





The price of your homeowners insurance varies based on your location, desired limits for replacement cost coverage and personal coverage and deductible amount.

On average, $250,000 is a good limit for dwelling coverage. However, you’re better off evaluating your home’s value to find out how much coverage you really need. Aside from dwelling coverage, you also need to decide limits for other coverages in your homeowners policy, such as other structures, personal property, loss of use and more.

You can use MoneyGeek’s homeowners insurance calculator to estimate your premium prices based on your chosen coverage limits.


Home Insurance Calculator



Dwelling Coverage






Personal Property


Credit Score


low end

on average

high end

These are annual estimates. Get a personalized quote to determine your costs.

mglogo icon

Repairing or rebuilding your house can be extremely costly. Although you’ll save money in the short term by choosing smaller coverage limits and higher deductibles, you may spend much more on construction and labor costs than you can afford. As such, purchasing enough coverage is the best way to ensure you won’t experience financial hardship when rebuilding your home.

What Discounts Does ASI Offer?

ASI gives their policyholders seven discount possibilities, similar to other insurance companies. Most of their discounts are rarely offered by ASI competitors, including early payment, home buyer, pay-in-full and paperless discounts.


Early Payment

Get savings on your ASI homeowners insurance by obtaining a quote at least 10 days before your policy starts.

Home Buyer

ASI offers discounts to policyholders who have just purchased a home or switched from a renters insurance policy.


Save money on your premiums by paying your entire year’s policy in full.


Go paperless and receive a discount from ASI.


Bundle your homeowners insurance policy with other ASI insurance products to get a discount on your premiums.

Protective Device

Get a discount by installing burglar alarms, fire alarms, automatic sprinklers and other security systems in your house.

New Home

ASI provides discounts to homeowners with newer homes.

discount icon

You can get a discount on your premiums by bundling your ASI homeowners insurance with your car insurance or other insurance products. When you bundle with ASI, you can also combine your home and auto insurance deductibles, which can result in additional savings.

Which Coverage Types Does ASI Offer?

ASI homeowners insurance policyholders have three add-on coverage options, which is lower than the five that insurance companies typically offer. As such, they only offer two (out of six) standard coverages and one unique endorsement. Personal injury coverage pays for claims like libel, slander, defamation of character and invasion of privacy.

ASI offers standard coverage such as backup of sewer drain and scheduled personal property coverages. We broke down this company’s available add-on endorsements in the table below.


Back-Up of Sewer or Drain

This add-on coverage pays for water damage caused by backed-up sump pumps and sewer systems.


Scheduled Personal Property

With this optional coverage, ASI protects your jewelry, fine art and other valuable items.


Personal Injury

This optional endorsement pays for non-bodily damages like libel, slander, defamation of character and invasion of privacy.

When looking for homeowners insurance, it’s a good idea to read the company’s fine print and make sure that your preferred provider offers all standard coverages. Coverage for flood, earthquake and pests is often not included in a standard homeowners policy; however, it is sometimes available as optional coverage or as a separate policy.

Whatever your required coverage limits are, make sure that your homeowners insurance carrier offers these standard coverages:

What Online Homeowners Insurance Tools Does ASI Offer?

Policyholders can use ASI’s digital tools to help them manage their homeowners policy. You can make payments and file a claim using this provider’s website.

Other ASI Insurance Products

ASI offers other insurance products aside from their homeowners insurance. You can bundle these products to get discounts on your premiums.

Type of Product

Condo Insurance

Although condo associations have their own insurance, they only cover buildings. With ASI condo insurance, get protection for your condo unit, personal property and personal liability.

Seasonal Insurance

Insure your vacation home, secondary home, or investment property using ASI seasonal insurance. This product includes dwelling and fire coverage.

Flood Insurance

Since floods happen nationwide, it’s a good idea to invest in flood insurance. It covers your home’s structure and contents from water damage due to floods.

Umbrella Insurance

With ASI umbrella insurance, you can have extra financial protection in case you’re sued due to a major accident or negligent act. Umbrella insurance offers excess liability on top of your primary insurance limits.


To evaluate ASI as a homeowners insurance company, MoneyGeek analyzed the ASI website, manually collected quotes and consulted consumer intelligence organizations such as J.D. Power, the NAIC and AM Best.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.