protected homes
positive claims experience
LANDLORD INSURNACE
Here's what we'll cover with your landlord policy.
Acuity is different than most insurance companies. In addition to world-class claims service, there are many ways we separate ourselves in landlord insurance.
What does a landlord insurance policy protect against?
At Acuity, we believe protecting your property is a partnership. Our landlord insurance focuses on helping to protect your assets from covered causes of loss, including:
- Protection for the dwelling. If the rental property is damaged, we will pay to repair or rebuild it using new materials.
- Protection for other structures. We insure against damage to separate buildings on the property like a garage or shed.
- Protection for your stuff. We automatically cover up to $5,000 for covered loss to your furnishings. Increased limits can be purchased.
- Protection for your income. If something happens to the dwelling and you are temporarily unable to rent it out while it’s being repaired, we will pay for the loss of rental income.
- Protection for your liability. We may pay damages for which you are responsible for if someone is injured at the rental property. Legal expenses may be covered in the event you are sued for an injury that occurs at the rental property.
- Protection for visitors. If an indivudual is injured at the rental property, their medical expenses may be covered.
Why should I choose Acuity landlord insurance?
Acuity’s landlord program offers inclusive coverages similar to our homeowners program. We recognize a lot of time and care go into maintaining rental properties. Having insurance with Acuity takes away some of life’s worries, so you can focus on supporting your properties. Our enthusiastic team of professionals is available to help.
Can I bundle and save?
Yes! Our flagship Road and Residence program combines home, auto, and other personal insurance into one policy with built-in value-added features.
How much does it cost?
Many factors affect the price of a landlord insurance policy, including location, number of rentals, and risk you face. Find out how much your landlord insurance policy would cost by talking to an agent.
Acuity’s optional coverages
Along with the landlord insurance coverage Acuity offers several optional coverages to fill common coverage gaps.
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Guaranteed Replacement Cost for Dwelling pays the cost to rebuild the dwelling, even if the reconstruction costs are higher than the dwelling limit shown on your policy.
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Matching Siding (where available) ensures the dwelling has a cohesive look by paying to replace mismatched siding.
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Service Line covers underground piping or wiring providing services to the dwelling, including sewer, water, natural gas, and electric lines.
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Water backup pays repair costs if your sump pump overflows or a sewer drain backs up.
Acuity’s financial strength
Year after year, Acuity earns top scores from industry rating organizations for our financial strength and stability. We’ve been around for 100 years and plan to be around for at least 100 more.
Easy claims
Reporting a claim is easy via phone, Acuity website, or mobile app. In the unfortunate event of a claim, we try to make it the best experience possible with the best claims professionals in the industry. You’ll be assigned a single dedicated representative who will guide you throughout the entire claim.
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.
See the latest videos from our experts.
Check out our glossary to help you understand your policy.
FAQs
Answers to most-asked landlord insurance questions.
Why do I need insurance for my rental properties?
Landlord insurance will give you protection if something happens to the building or other structures on the property, plus it will provide protection for your lost income. The policy even offers liability protection if someone is injured at the rental property.
Will Acuity’s landlord policy cover my Airbnb rental?
No, Acuity’s landlord program is designed for rental properties with long-term landlord/tenant leasing arrangements and is not intended for vacation or short-term rentals.
How can I purchase a landlord policy from Acuity?
Landlord policies can be purchased with the help of one of our many independent insurance agents. Find one near you today!
How many units can I have on this landlord policy?
Acuity offers landlord insurance to homeowner policyholders who own fewer than 4 rental properties or 10 rental units. If you have more properties or units, please see our commercial landlord and property management insurance.
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