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. ******
95%
customer claims satisfaction
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. *****

HOME POLICY


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!


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 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.


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.
    • The home-buying process can be difficult and sometimes stressful, but there is one thing we hope to help keep it from being—confusing! While we have covered the home-buying process at a high level previously, we wanted to dig deeper into the home inspection step.
    • In 2020, we have experienced many changes that have disrupted our lives. Unfortunately, one thing that has been constant is the high frequency of identity theft and cybercrime. Although the news coverage focuses on large corporations that have been targeted or experienced a data breach, the impact of cybercrime goes beyond their walls. Often, the data that is stolen in a breach is personal data on their customers—you and me!
    • You are looking to buy a home—congratulations! During this exciting time, it can be easy to get overwhelmed with all the things you need to think about.
    • With everything happening in the world today, many of us have experienced changes to our routines. Some are working from home for the first time, others have been operating a business out of their home for years, and some have had to transition their small business from a shop location to their home in an attempt to save their business. If you are operating a business out of your home, it is important to make sure you are properly covered.

    • 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


    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.


    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 56th largest insurer in the nation and manages over $4 billion in assets.

    ****

    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.