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Acuity offers one of the more comprehensive but affordable home insurance products on the market today. Acuity is one of the few carriers that offers guaranteed replacement cost for your home, meaning they’ll pay to repair or rebuild it regardless the cost.
Adding to the appeal, Acuity has an A+ rating with A.M. Best — the benchmark for insurance companies’ financial strength — and glowing insurance claim reviews on Trustpilot. Acuity also offers numerous discount options, like a 20% discount if you bundle your home insurance with another Acuity property insurance policy, along with a hefty discount if you pay your insurance premiums up front.
However, Acuity is only available in 27 states, which is rather sparse when you consider the company’s been around for almost a century. Another downside is if you have a lot of expensive valuables, Acuity’s Coverage Enhancements Plus endorsement (which you can get for an extra $60 a year) may not be enough coverage for all of your stuff. The maximum they’ll pay out with that endorsement for jewelry, for example, is $3,500.
Market share: 0.15%
A.M. Best rating: A+
Better Business Bureau rating: A+
Consumer Reports: N/A
J.D. Power: N/A
Acuity homeowners insurance is available in 27 states.
Acuity keeps their policy offerings fairly simple, offering a standard home insurance policy with the six core coverages. But Acuity also has a number of cheap policy add-ons and coverage endorsements that are more than worth the extra few dollars a month, such as:
The amount you pay for an Acuity policy will depend on where you live, the age and build of your home, your credit score, and a number of other rating factors. Here’s a quote for a 50-year-old, 1,800-square-foot single-family home with guaranteed replacement cost for the home and replacement cost for personal belongings, as well as a $1,000 deductible.
|Primary coverages||Policy limits|
|Medical payments for guests||$5,000|
Here’s how Acuity stacks up against the competition in terms of the most common coverage endorsement offerings:
Acuity’s application process is fairly seamless and can be done online in its entirety. You simply plug in your personal information, answer a few questions about your home, indicate whether or not you’d like to bundle your home insurance with any of Acuity’s other insurance options, and out comes a quote.
Once you’re at the quote page, you have the option of customizing the policy to your liking, depending on if you want more or less coverage. If you make any changes, Acuity will generate you a new quote in seconds so you can see how adding or forgoing certain coverages can affect your policy cost.
If you’d like to file a claim with Acuity, you have a few options. You can call their claims center, file a claim through their website, or report the loss through their mobile app.
As for the quality of their claims service, Acuity makes a few promises that you can hold them to. According to the company website, Acuity guarantees the following:
Acuity offers more than just homeowners insurance. If you’re looking to buy home insurance with Acuity and have other property insurance needs, consider getting all of your policies through Acuity for a handsome discount.
Phone: (920) 458-9131
Headquarters: 2800 S Taylor Dr, Sheboygan, WI 53081
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s homeowners insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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