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positive claims experience
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.
Inland Flood Insurance
Add coverage to safeguard your home from flood water due to sudden heavy rainfall, rapidly melting snow, or overflowing water from a nearby river or stream.
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.
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
RESOURCES
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.
FAQs
Have questions? We have answers.
How much is homeowners insurance?
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.
What does homeowners insurance cover?
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.
Will my homeowners insurance cover water damage in my basement?
The answer depends on how the water entered your basement and which endorsements are on your policy:
- If water damage occurs because of accidental discharge from a pipe or appliance, a standard Homeowners policy is likely to cover resulting damage.
- If the water damage is a result of a sewer backup or sump overflow, a standard Homeowners policy excludes coverage. Most insurance companies will allow you to add this coverage by purchasing a water backup endorsement.
- If flood waters enter your basement through walls or window wells, a standard Homeowners policy excludes coverage. Acuity offers a Limited Inland Flood Coverage endorsement if the Homeowners Policy is also endorsed with water backup coverage.
- Damage caused by ground water seeping through a foundation is excluded by a standard Homeowners policy.
My neighbor slipped on my sidewalk and broke his arm. Is that covered under homeowners insurance?
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.
Does homeowners insurance cover wildfires?
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.
What do I do if I need to report a loss or claim?
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.
5-Star Carrier
Named one of the country’s top home insurance companies for outstanding product offerings.
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.