insured homes and vehicles
claims satisfaction
PACKAGED INSURANCE
Packaging your car and home insurance with Acuity makes sense when it comes to price and convenience.
Acuity is different than most insurance companies. In addition to world-class claims service, there are many ways we make bundling your insurance the obvious choice.
Road and Residence®
Our most popular package program not only covers your vehicles, home, and other personal items, but it also includes several value-added features. You’ll automatically get replacement cost for your home and your personal property. You’ll also enjoy one high limit that can apply to any property as well as a single deductible.
Per-Pak®
Another package option if Road and Residence doesn’t fit your needs. Per-Pak offers the flexibility of combining any two or more things to make a package. Have a boat and a car? Make it a Per-Pak to get more discounts.
Matching Siding Coverage
Acuity offers this endorsement to ensure consistent quality of home siding materials after a loss caused by wind or hail. Consistent siding appearance contributes to the curb appeal and value of your home.
Convenience
With a package policy, recordkeeping is simplified—keep track of all your insurance in one account.
Discounts
Save up to 20% when you combine all of your home, vehicle, and umbrella insurance.
Replacing your belongings
With a Road and Residence policy you automatically get personal property replacement. This means that if your property is lost, damaged, or stolen, you can buy NEW items to replace them. That’s a new camera even if the one damaged was three years old!
Home replacement - guaranteed
Included with a Road and Residence policy, home replacement covers the full cost of repairing or rebuilding your house after a total loss, even if it exceeds your policy limit.
Mechanical Breakdown
Add coverage to repair or replace household appliances in the event of a sudden electrical or mechanical breakdown.
Service Line Coverage
Add coverage for the underground piping and lines that provide water, sewer, and electrical to your home.
Single deductible
With a combined auto and home insurance policy, there’s no need to worry about different deductibles for different things. If you have a home claim and an auto claim, they both go toward the same deductible, meaning insurance kicks in faster and you have less out-of-pocket expense.
One high limit
With a Road and Residence policy, you get a high limit that can apply to any property. Most policies have specific limits for certain things (like a limit for jewelry). Having one blanket limit allows your package policy to cover the cost of something that may have otherwise been over your limit.
Umbrella
This coverage adds an extra layer of protection, so you know you’re ready for those unexpected incidents.
CUSTOMER STORIES
Is this finally over? If so, you have been great to deal with. I feel we are like friends through this.
Judi
Brookfield, WI
EMPLOYEE STORIES
We are used to claims—our customers are not. My goal is to treat everyone the same way I would want someone to treat my family—as a priority, as important, and as kind and fairly as possible.
Natasha
Field Claims Adjuster
RESOURCES
Other things you might be interested in.
Learn more about our products.
See the latest videos from our experts.
Check out our glossary to help you understand your policy.
FAQs
Have questions? We have answers.
An insurance package combines separate insurance policies into one plan. Your car, home, and umbrella information may often be organized under one policy number.
Certain packaged policies, like Road and Residence, also come with special, built-in features that benefit you. Plus working with one carrier, instead of multiple, is easy and convenient.
The Road and Residence program is a combination of auto, home, and other personal lines policies. Special coverages are automatically included, and special features apply, such as having one high property limit and a single deductible regardless of the types of property damaged.
A Per-Pak combines any of your personal lines policies into one package with one common annual policy period and one billing plan. This option works best if you don’t need both auto and home insurance. For example, you can package a car and boat under a Per-Pak policy.
We're rated A+
Only commercial regional insurer to be rated A+ by both A.M. Best and Standard & Poor's, making Acuity an icon of strength.
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In business since 1925
Acuity is the 59th largest insurer in the nation and manages over $5 billion in assets.
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Our People
At Acuity, our people make the difference. Our knowledgeable employees are passionate about serving you and take the time to understand your unique needs.