Homeowners Insurance

Let us protect your home so you can get back to enjoying the important things.

2 million
doors and windows insured
We would be proud to insure your home. Our team is here to help provide you with the peace of mind that your home insurance policy will cover you whenever you need it. ******
97%
positive claims experience
We want the claim process to be a calming one. We provide you with a single point of contact who can focus on what you need. So, when a claim comes in, you know we're here for you. *****

Our Focus Is You®

HOME INSURANCE


Here's what we'll cover with your homeowners policy.

Acuity is different than most insurance companies. In addition to world-class claims service, there are many ways we separate ourselves in homeowners insurance.


Coverage details

We recognize your home is your sanctuary. That’s why we provide a wide array of coverages to protect your property as well as your liability.


Home replacement - guaranteed

For just a little extra, we will cover the full cost of repairing or rebuilding your house after a total loss, even if it exceeds your policy limit!


Home business

This unique product is among the broadest of coverages in the industry for protecting your home-based business.





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.


Road and Residence®

This unique package provides all the coverage you need in one policy with increased limits, added coverage, and discounted prices.


Personal property insurance

We provide custom coverage to protect your stuff against damage or theft, no matter where it is in the world.





Identity fraud and cyber protection

Add an extra layer of protection. Receive professional assistance and reimbursement in the event of an identity or cyber related loss.


Service line coverage

Add coverage for the underground piping and lines that provide water, sewer, and electrical to your home.


Jewelry insurance

Protect your jewelry by adding a jewelry endorsement to your homeowners, renters, or condo policy.





Mechanical breakdown

Add coverage to repair or replace household appliances in the event of a sudden electrical or mechanical breakdown.


Earthquake insurance coverage

We have coverages that fit your insurance needs.


Save up to 20%

Package your home & auto coverages

The Road and Residence® program combines home, auto, and other personal insurance into one policy with value-added features.

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Acuity Insights
Acuity Insights

The claim was caused by a burst pipe in an upstairs bathroom of our home. We contacted the Acuity claims department and our adjuster was at our home within an hour. This was an extremely difficult and traumatic incident for us, and everyone we dealt with made it easier. I simply can’t say enough good things about [Acuity].

Susan


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RESOURCES


Other things you might be interested in.

Home Inventory

Download our inventory worksheet to help keep track of items in your home.

Home Maintenance Log

Download our maintenance log worksheet to help keep track of changes made to your home and identify when work was done and who completed it.

Video gallery

See the latest videos from our experts.


FAQs


Have questions? We have answers.


It’s different for everyone. The cost of homeowners insurance depends on the type of home you have, how it’s constructed, where it’s located, and much more. Get an online home insurance quote to see how much home insurance is for you.


Homeowners insurance can include coverage for damage to the house, damage or loss of personal property, personal liability to others, and additional living costs if your home is uninhabitable.


It depends. First, you must have a sewer or drain backup endorsement on your policy. Second, the water damage is only covered if the sump pump fails or water is coming through drains. Water damage is not covered if it’s due to flooding. That would be covered under a separate flood insurance policy.


Yes, your medical payments coverage will kick in to pay for the medical bills of the injured neighbor. If you were found to be negligent, your liability coverage will apply instead of medical payments.


Yes, wildfires are covered under a standard homeowners policy. Acuity uses a wildfire tool to evaluate the likelihood of loss based on property features and other dwellings in the surrounding area. In addition, wildfire risk mitigation actions taken by a customer may be considered when determining if a dwelling meets guidelines. Price does not vary due to wildfire risk or mitigation.

 

Regardless of where you live, there are things you can do to help prevent wildfires and reduce the likelihood of damage or injury should a wildfire occur.


Please contact us as soon as possible to report a claim via phone at 800.242.7666, our website, or through your local agent. When reporting a claim, have as much information available as possible, such as the date, time, and location of the incident, the names of the parties involved, if applicable, and their phone numbers and addresses. Taking photos or videos of the loss scene is also helpful.


ABOUT US

Get to know us.

5-Star Carrier

Named one of the country’s top home insurance companies for outstanding product offerings.

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In business since 1925

Trust our longevity. Our expertise stems from nearly 100 years in the insurance business.

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.