Policyholder FAQs

At ASI, we know how complex insurance can be. That’s why we put together some of our most commonly asked questions about several insurance topics. Our goal is to provide you with the convenience of having the answers at your fingertips. 

If you have general questions about the claims process, please visit our Claims FAQ page. For specific questions regarding your filed claim, please call your claims adjuster directly. Consult your insurance agent with questions about coverage options.

Who do I call if I have general questions about my policy?

The first person you should contact is your insurance agent. The name and phone number of your agent is located in the top left corner of your policy’s Declarations Page or the Policyholder’s Website under the Agent Information title. Your agent should be able to answer any questions you may have. If you need help determining who your agent is, call ASI at 866-274-8765.

Do I need flood insurance if I do not live in a mandatory flood zone?

Yes, everyone lives in a flood zone. Flood is the #1 natural disaster in America. In fact, 33% of all flood claims occur in the low to moderate risk flood zones, which do not mandate flood insurance. To learn more about the risk of floods, please visit FloodSmart.gov.

My agent switched my policy to ASI. How does my mortgage company know who to pay?

We send a letter to your mortgage company and encourage you to do the same.

Can I purchase a policy for my residence in Florida and another for my rental in another state?

Yes. We currently offer homeowners insurance coverage in over 40 states. Check with your local ASI independent agent for details about other states where we may be open for new business.

How will I know if I’m being sued and what should I do?

If you receive a legal “Summons” or “Complaint,” chances are you’re being sued. You should call your claim representative and forward your paperwork as directed. By hesitating, you may run the risk of jeopardizing your coverage.

Can I pay my premium online?

Yes. You must first register and login to the Policyholder section of our website. We accept personal checks, Visa, MasterCard and American Express credit cards.

Will my homeowners policy cover damage caused by flood?

Typically, a homeowners policy does not cover damage caused by flood or rising water. However, ASI is a National Flood Insurance Program provider and offers flood insurance under a separate policy. Ask your agent for a free flood quote or for more information.

Learn More About Your Policy

Have questions about your policy structure? Not sure what a term means on your policy forms? Need a few tips to prevent loss or damage to your home? Explore the links below to find answers to your questions and more.

Please note that this section highlights examples of safety precautions that you can consider to help prepare yourself, others and your personal property for a disaster. Please recognize that a particular precaution may not be appropriate or effective in every circumstance. We encourage you to use your own good judgment about what is appropriate. Please reference our Legal Statement for additional disclaimers.