American Strategic Insurance (ASI) has been long known as a company specializing in property insurance. For homeowners, ASI offers comprehensive insurance with additional benefits that you can add to your policy. Here are things you need to know to get the best ASI home insurance quote!
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Coverage You Will Get in ASI Home Insurance Quote
Home is the biggest investment in your life. Therefore, having home insurance is a must as days get more unpredictable. ASI as a leading home insurance company may give you solutions to make you feel safe and secure at home. These are the protections you will get in your ASI home insurance quote:
1. Dwelling Coverage
When you get an ASI home insurance quote, it will automatically include coverage in the replacement value of your house structure. This coverage also protects other structures that are connected to your house, such as garages, porches, decks, etc.
Therefore, this insurance will pay based on the decided value of your house if it is destroyed, vandalized, or stolen. The insurance will also cover the replacement cost of your damaged property.
2. Other Structures Coverage
Other structures coverage within the ASI home insurance quote refers to the protection against damage to the outlying structure of your house. This type of protection includes a detached garage, shed, mailbox, fences, etc. Moreover, the limit of this protection is usually up to 10% of your dwelling coverage.
3. Personal Property and Belongings Protection
ASI commits to making you feel safe and secure at home the most. Through this coverage, you will receive the replacement cost for the damage to your house or the content that has been stolen. This coverage starts at around 50% of your dwelling coverage.
4. Personal Liability
Everybody can be in a situation that makes them face lawsuits, including you and your family. However, ASI home insurance will give you personal liability coverage. This coverage protects you and your family from lawsuits that cause other bodily injuries or property damage. It usually starts from $100,000 for this type of coverage.
5. Medical Payment
Furthermore, ASI home insurance will also give you medical payment coverage that will pay for your medical costs for guests’ injuries within your property. ASI will take at least $1,000 worth of your medical payments.
6. Additional Living Expenses
There are unexpected times when your house is not safe to be a living place. ASI home insurance quote will include the coverage for your living expenses such as meals, rooms, boards, laundry, etc. while your house is under repairmen or other covered perils.
7. Additional Coverage Options
You could add more options of objects that you want to protect in your house, such as jewelry or genuine art objects. Also, you could add more protection to your house from natural disasters that may cause severe damage, such as floods.
Furthermore, the ASI home insurance quote also offers the HomeShield package and Homeshield Plus option to your basic coverage. Here are the differences:
a. HomeShield Package
This package may depend on the premium that you take regularly. These are some basic protections that you will get from this package:
- This may include a 25% increased replacement cost.
- You could get a $5,000 limit on water backup and sewer.
- Personal injury coverage.
- You may have a $3,000 limit for jewelry and other high valuables.
- More additional benefits.
b. HomeShield Plus Package
This package covers the same benefits as the HomeShield package, but you could get higher limits for each other categories, such as:
- This may include a 50% increased replacement cost.
- You could get a $10,000 limit on water backup and sewer.
- You may get a $5,000 limit on other high valuables, such as jewelry and furs.
- More additional coverage options for further customization.
- Quicker assistance for repairmen from ASI’s expanded contractor network.
Insurance Rates in ASI Home Insurance Quote
When you get an ASI home insurance quote, you can choose the annual premium that you must pay regularly based on the amount of basic coverage that you want. Even though ASI does not provide an online tool for pricing options, you can check the average annual premium from this table below:
| Dwelling Coverage Amount | Annual Premium |
| $200,000 | $1,782 |
| $300,000 | $2,356 |
| $400,000 | $2,759 |
Source: Value Penguins Review
These annual premiums can be different according to the state you live in and the additional protection options that you want to add to your dwelling coverage.
However, if you compared the annual premium of ASI home insurance, you can see that ASI offers a moderate premium with many interesting coverages for your beloved home.
How to Get Discounts for Your ASI Home Insurance Quote
Already feeling interested to get your ASI home insurance quote? We will provide you with some ways you could obtain your annual premium. These discounts are not usually offered by other insurance companies. Here are some of them:
1. Bundle Discount
Besides homeowners insurance, ASI is known as other types of property insurance, such as condominium, renters, and even auto insurance. You could combine your home insurance with other types of insurance that are also offered by ASI.
2. ASI Home Insurance Quote Early Payment Discount
Many things that you start early often prove to be something profitable. So it is with ASI discounts. You could save more by obtaining an ASI home insurance quote 10 days before your policy starts.
3. New-Purchase Discount
For new homeowners, do not worry about the budget that you must pay for your home insurance premium. Buy a new house and get a discount for buying house insurance from ASI! You could save up to 10% by using this discount.
Do you want to buy home insurance from ASI but worry about the premium and are not in any categories mentioned above? Don’t worry! ASI has more options for discounts for you. Want to know the way you get more discounts? Get an ASI home insurance quote right now!
Let’s Get Your ASI Home Insurance Quote Now!
After getting much information about what you will get in your ASI home insurance quote, have you any thoughts on buying ASI home insurance for your home? If so, you could visit the website of American Strategic Insurance and find the nearest agent in your area to get the best home insurance quote only for you.
Remember, your house is a valuable infestation. Giving it proper protection means you give special care to your precious valuables and also makes you and your family feel safer while living in it. Get extra protection for extra security and certainty.