Progressive Home Insurance in Florida
Progressive Home is what became of a Florida original: American Strategic Insurance — ASI — founded in St. Petersburg in 1997, acquired by Progressive, and still running the home business from St. Petersburg today as the property arm of the country’s largest auto insurer by Progressive’s own measure. It brings a credential few Florida homeowners quotes carry — AM Best A+ (Superior) — and, through our agency, both halves of its home-and-auto bundle. Here’s the record: who writes the policy, how it’s rated, what it prices in Florida today, and how to see its number beside 20+ other Florida homeowners carriers before anything gets decided.
Progressive Home at a glance
Carrier ratings verified directly with each rating agency.
St. Petersburg roots, a national engine behind them
Progressive Home insurance in Florida starts with a Florida story. American Strategic Insurance — ASI — was founded in St. Petersburg in August 1997 by John Auer, built to write voluntary-market Florida property in an era when many national carriers wanted out of it. Nearly three decades later, the name on the quote sheet has changed, but the address hasn’t: Progressive’s home business still runs from 2 ASI Way in St. Petersburg.
The road from local specialist to national brand ran through one of the industry’s larger acquisitions. By 2015, ASI was writing in more than 40 states and had grown — in Progressive’s own description at the time — into one of the twenty largest homeowners insurers in the country. Progressive took a controlling interest that year, paying about $875 million for roughly two-thirds of the company, completed full ownership in April 2020, and moved the product under the Progressive Home name along the way. Progressive’s own site states the relationship plainly: Progressive Home, formerly American Strategic Insurance, provides property insurance as part of the Progressive group of companies.
The engine behind that brand is the reason this page reads differently from our other carrier profiles. Progressive describes itself as the country’s #1 personal auto insurer on its own measure of premium written, reported crossing 40 million total policies in force in 2026, and runs a national property segment of more than 3.6 million policies. The company holding a Progressive Home policy is a top-national balance sheet — one whose property side was born, built, and still operates in Pinellas County.
Cornerstone’s appointments cover both sides of that brand: Progressive Home for HO-3 homeowners and HO-6 condo, and Progressive for auto. And because we’re independent, neither half ever lands in front of you alone — the same entry that returns Progressive Home’s number returns 20+ other Florida homeowners carriers beside it.
The rating that stands out on a Florida quote sheet
Every ASI writing company on Progressive Home’s Florida book carries an AM Best Financial Strength Rating of A+ (Superior), affirmed May 2026, rated as members of the Progressive pool. The affirmation came with a telling note from AM Best itself: Progressive’s property segment posted an underwriting profit for the third consecutive year.
Here’s why that grade deserves a slow read. Demotech is the standard credential on a Florida homeowners comparison — most of the specialists writing this state are reviewed there, on a scale built for single-state catastrophe writers, and our other carrier profiles explain why that arrangement is normal and healthy. This page flips the picture: Demotech isn’t part of this carrier’s rating story, because what stands behind these policies is a large, diversified national group of the kind AM Best’s model was built to grade — and the grade is A+ (Superior). On a quote sheet where the Demotech A is the standard credential, an AM Best A+ homeowners book is genuinely rare.
The reading habit stays the same for every carrier we compare: which agency issues the rating, what the grade is, and when it was last affirmed. Line those three up for each name on your comparison — our guide to Florida home insurance financial strength ratings walks through how Demotech, KBRA, and AM Best each approach Florida carriers — and the differences between carriers get much easier to weigh.
Who actually writes the policy — the precision that favors you
Progressive Home is a brand, and brands don’t issue insurance policies — insurance companies do. In Florida, Progressive Home policies are written by the ASI family of companies, the St. Petersburg insurers this page began with, and Florida OIR data (May 2026) counts nearly 200,000 Florida policies in force across the family. The specific company issuing yours is printed on your declarations page.
We teach the same one-minute habit on every carrier profile: find the writing company on the dec page, then check that company’s rating rather than the brand’s advertising. On this book, the habit pays off quickly, because the check lands on the ASI property companies and their AM Best A+ (Superior). Working with your agent, it’s settled before the quote is ever bound.
The precision earns its keep here for a reason Progressive itself discloses: a home quote started on progressive.com can be placed with affiliated or third-party insurers — the brand’s website operates as a marketplace as well as a carrier. Bought through our agency, Progressive Home means the ASI book itself, and the writing company on the paperwork is part of the conversation before anything is signed — one more thing you never have to discover after the fact.
What Progressive Home writes in Florida today
Progressive writes Florida homeowners selectively right now, and says so on the record — its CEO has described Florida growth as modest and weighted toward newer construction. The national posture points the other direction: the company told shareholders in 2026 that its multi-year property repositioning is substantially complete and new business is reopening, with growth-ready states climbing from 18 to 41 in a single year by its own count.
Selectivity deserves the same neutral reading we give every carrier’s appetite: home age, construction, roof, and location are inputs each of our 20+ Florida homeowners carriers weighs its own way, and no single carrier’s appetite is a verdict on your house. Whether your home fits Progressive Home’s book right now has a definitive answer, and it costs nothing — the quote itself. Through our agency, the appointment prices two forms:
- Homeowners (HO-3) — the form most Florida houses are insured on. Eligibility is the carrier’s call and currently runs selective; one entry checks it beside the whole lineup, free.
- Condo unit-owners (HO-6) — quotable with us, and on every condo quote the master-policy boundary questions come first, working with your agent, because their answers decide what your own policy needs to carry.
Flood runs alongside: American Strategic Insurance appears on FEMA’s list of National Flood Insurance Program Write-Your-Own carriers, so the flood side of this house is live. In Florida, the flood question is how much coverage, never whether — the premium follows the property itself, through distance to a flooding source, rebuild cost, and elevation — and we price flood beside the home quote so both answers arrive together.
Two boundary lines, drawn honestly. Renters is a substantial line on the carrier’s own Florida book — but through us, the Progressive Home appointment is HO-3 and HO-6, so that’s what we quote there. And landlord policies route elsewhere entirely: Progressive Home no longer writes new landlord business in Florida, while our appointed DP-3 markets actively compete for it — one entry prices a rental across those carriers instead.
One agency, both halves of the bundle
Here’s the angle no other profile on this site has: the auto side. Progressive’s auto company is appointed with our agency alongside Progressive Home — the uncommon case where both halves of a national brand’s home-and-auto bundle run through one independent agency, priced against the open market.
Cornerstone holds Platinum standing with Progressive, and it widens what one entry can set up: home, auto, and other lines written and bundled through the same office — including an option many Progressive customers never see. When a home policy is part of the bundle, we can offer a 12-month auto policy in place of the usual six-month term, so both policies renew on one yearly calendar.
Progressive’s own advertised figures frame the stakes: bundlers average about 7% off their auto policy in most states, and the company states that new customers who bundle home and auto save over $1,000 on average, per its own survey. Those are the carrier’s national averages, attributed — never a promise for one household. Your household gets an actual number instead.
That number is what one entry with us produces: the home side priced as an HO-3 or HO-6 beside 20+ Florida homeowners carriers, the auto side priced beside our other appointed auto carriers, and the bundle math laid out both ways. If pairing wins, you see by how much; if a split placement beats it, you see that too — and one independent agency answers for both policies at every renewal after.
Storm seasons at national scale — and what moves a renewal
The 2024 season put the balance sheet on display. Progressive’s reported catastrophe estimates for Hurricane Helene reached $563 million — roughly $401 million of it on vehicles, boats, and RVs, with $162 million net on property — and when Milton arrived weeks later, its estimates ran to about $325 million on vehicles and up to $200 million more on property, inside the company’s reinsurance program per contemporaneous industry coverage. Two hurricanes in a month, paid at the scale a 40-million-policy group is capitalized for — with what Progressive calls its National Catastrophe Response Team, specially trained claims reps deployed alongside local staff, working the aftermath.
When a loss happens, the claim belongs with Progressive directly — filed online, in the Progressive app, or at 1-800-776-4737, which answers around the clock. Your agent’s work comes before the loss, while the season is quiet: what the policy is designed to do, where the hurricane deductible sits, whether the coverage still matches the house. Bring those questions to 813.920.8181 any week you like — that conversation is free, and it belongs before the storm, not after.
Renewal pricing runs on its own mechanics, separate from appetite. A renewal reflects the inflation adjustment on your Coverage A rebuild limit, your home’s documented roof age, your insurance score, and any endorsement changes — every carrier weighs those inputs differently, and our guide to why Florida home insurance premiums move walks through each driver. Working with your agent, an annual review lines the pieces up, then checks the result against 20+ Florida homeowners carriers priced on the same answers — the step no single-carrier relationship can offer.
Two ways to use this page
Already a Progressive Home policyholder?
You’re holding paper from an AM Best A+ (Superior) group with nearly 200,000 Florida policies in force and its home operation headquartered in the same state as your house. A yearly review is still what keeps a policy earning everything it qualifies for, because credits and home updates count only once they’re written in. Share your current policy through Canopy Connect, the secure link that reads your declarations page so nothing gets retyped, and working with your agent, the review starts from the coverage you hold — Coverage A, endorsements, the flood answer, the auto pairing — and finishes with what 20+ other Florida homeowners carriers say about a home like yours.
Shopping and seeing Progressive Home quoted?
Take it as information: this is a deliberately selective Florida book right now, so its name on your comparison usually means your home fits a profile it wants. Complete the picture before choosing — one entry returns its HO-3 or HO-6 price beside 20+ other Florida homeowners carriers, adds the auto quote if you want the bundle math, and puts a licensed Florida agent on the differences that matter.
Progressive Home in Florida: your questions, answered
Is Progressive Home the same as Progressive?
Same group, precise structure. Progressive Home is the brand Progressive uses for its property business; the company behind it began as American Strategic Insurance — ASI — founded in St. Petersburg in 1997. Progressive took a controlling interest in 2015 and completed full ownership in April 2020, and the home operation still runs from St. Petersburg today. Policies are issued by the ASI family of writing companies rather than by the brand name, so the useful habit is reading the company name on your declarations page and checking that company’s rating — here, the property companies carry AM Best A+ (Superior).
Who actually writes Progressive Home policies in Florida?
The ASI family of companies — the insurers descended from American Strategic Insurance, the specialist founded in St. Petersburg in 1997 that Progressive acquired and built its property business around. Florida OIR data (May 2026) counts nearly 200,000 Florida policies in force across the family. The specific writing company appears on your declarations page, and checking that name rather than the brand is how you confirm the rating and the paper behind any policy, from any insurer.
How is Progressive Home rated?
The ASI property companies carry an AM Best Financial Strength Rating of A+ (Superior), affirmed May 2026, rated as members of the Progressive pool — and AM Best noted with the affirmation that the property segment posted an underwriting profit for the third consecutive year. That grade is rare on a Florida homeowners comparison, where most specialists carry Demotech or KBRA ratings instead. Read it the way you’d read any carrier’s rating, in three parts: the agency, the grade, and the affirmation date.
Is Progressive leaving Florida?
No — the record runs the other way. The ASI family holds nearly 200,000 Florida policies in force (Florida OIR data, May 2026), the home operation has been headquartered in St. Petersburg since 1997, and Progressive told shareholders in 2026 that its national property repositioning is substantially complete, with new business reopening across most of the country. Florida writing is selective — the CEO has described growth here as modest and weighted toward newer construction — but selective is an appetite, not an exit. With us, Progressive Home prices HO-3 homeowners and HO-6 condo, and whether your home fits its current book is answered by the quote itself: free, one entry, beside 20+ other Florida carriers.
Does bundling home and auto with Progressive save money?
Progressive’s own advertised figures say yes on average: bundlers save about 7% on their auto policy in most states, and new customers who bundle home and auto save over $1,000 on average, per the company’s survey. Those are national averages the carrier publishes — not a promise for any one household. What makes the question practical here is that both halves are appointed with our agency: Progressive Home for the house or condo, Progressive for the autos. One entry prices the bundle and the unbundled alternatives side by side, and your own numbers replace the averages. And because Cornerstone holds Platinum standing with Progressive, bundling a home unlocks one more piece: we can offer a 12-month auto policy in place of the usual six-month term — a year between renewals, home and auto on one calendar.
Does Progressive Home write condo insurance?
Yes — HO-6 condo unit-owners coverage is one of the two forms we quote with Progressive Home, alongside HO-3 homeowners. Every condo quote starts with the master-policy boundary questions, working with your agent, because their answers decide what your own HO-6 needs to carry. From there, one entry prices the HO-6 beside our other Florida condo markets, and the comparison picks the winner for your unit.
Will Progressive Home insure my rental property?
No — Progressive Home no longer writes new landlord business in Florida, so a DP-3 rental policy isn’t something we can place there. It is something we place elsewhere: our appointed lineup includes Florida DP-3 markets that actively compete for rental property, long-term and seasonal alike. One entry prices the rental across those carriers — and if you also own the home you live in, the same conversation can still price it with Progressive Home if it fits.
How do I file a Progressive Home claim?
File with Progressive directly — online through your account, in the Progressive app, or at 1-800-776-4737, which answers around the clock. The carrier’s own claims operation is the fastest path to an adjuster, and after major storms Progressive deploys what it calls a National Catastrophe Response Team alongside local claims staff. Your agent’s work comes before any loss: talking through what the policy is designed to do, where the hurricane deductible sits, and whether the coverage still fits the home. Bring those questions to us at 813.920.8181 any time — and remember that what applies in any particular loss always comes down to the policy’s own terms.
