Homeowners Insurance

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

1.8 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.

96%
customer claims satisfaction

We want the claim process to be a calming one. Your satisfaction is extremely important to us. So when a claim comes in, we'll put your mind at ease and make sure you know you're covered.

HOME POLICY


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

Acuity is different then 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!


Valuable personal property

We know you can’t put a price on Grandma’s pearls. Make sure your fine arts, jewelry, or other collectibles are properly protected by adding this coverage. We can provide coverage for specific items or you can buy increased jewelry and fur limits on a blanket basis.





Replacing your belongings

Adding this coverage to your policy 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 business

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


Identity theft

Add an extra layer of protection. Receive one-on-one assistance to restore your identity and reimbursement for any identity theft expenses.





Road and Residence®

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


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.

Our passion is our customers and it shows.
Our passion is our customers and it shows.

CUSTOMER STORIES


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

West Bend, WI


BLOG

Get answers from our insurance experts.
    • If you’ve ever had to rebuild your home after a catastrophe, you probably know that reconstruction often costs more than new construction. If you haven’t experienced this, consider yourself lucky—but you should probably tune in anyway. There are many reasons repairs to your home could cost more than building something new.
    • It is the dead of winter, and you are stuck indoors. Fortunately, you don’t have to wait until it gets warm to tackle a home improvement project! You may be wondering what kind of home improvement projects you can accomplish. With a little motivation, there are actually several indoor projects that could enhance any room.
    • It seems every room in our home is outfitted with consumer products both large and small. While these items may help you in your day-to-day life, they also can pose a risk. Understanding these risks and how you can prevent them is an important part of being a homeowner.
    • While you likely have a few more weeks with tinsel and holly decking your halls, we are approaching the post-holiday regrouping season. Many of us have been entertaining, and any resemblance of order escaped us long ago. As our house guests depart and we move into the New Year, we sometimes need a little push to get things cleaned up.

    • Addie B.
      Author of Home Focus

    • Addie B.
      Author of Home Focus

    • Addie B.
      Author of Home Focus

    • Addie B.
      Author of Home Focus

    RESOURCES


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    Video gallery

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    Glossary

    Check out our glossary to help you understand your policy.


    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.


    ABOUT US

    Get to know us.

    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.

    In business since 1925

    Acuity is the 57th largest insurer in the nation and manages nearly $4 billion in assets.

    Happy employees lead to happy customers

    Named #2 on the 2016 FORTUNE "100 Best Companies to Work For®" list.