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. ******
95%
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!


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.





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!


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.





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.


Home business

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





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.
Acuity Insurance Coverages: Service Line Replacement
Our service line coverage is built to ensure you won't be stuck with thousands of dollars in bills in the unfortunate scenario a service line going to your house is damaged. T...
Acuity Insurance Coverages: Matching Siding
Don't let a storm force you into having siding that doesn't quite match the other parts of your house. Make sure you talk to your Acuity independent agent about our matching s...
Home Maintenance: The Importance of Duct Cleaning
Duct cleaning is an important part of home maintenance. It is like cleaning the lungs of your home according to Jason, owner of Furnace Vac, LLC. Learn more about the importan...

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.

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

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.