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.
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!
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.
Road and Residence®
This unique package provides all the coverage you need in one policy with increased limits, added coverage, and discounted prices.
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].
West Bend, WI
Other things you might be interested in.
Download our inventory worksheet to help keep track of items in your home.
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.
See the latest videos from our experts.
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.
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.****
At Acuity, our people make the difference. Our knowledgeable employees are passionate about serving you and take the time to understand your unique needs.