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Guaranteed replacement cost coverage. Acuity is one of the few carriers that offers guaranteed replacement cost coverage for your home, meaning it’ll pay to repair or rebuild your home regardless of the cost.
Affordable rates. Annual premiums for home insurance with Acuity average around $1,257 annually — on par with the national average.
Flexible policy options. Whether you need a basic policy for your home or something more robust with multiple coverage enhancements and add-ons, you'll find it with Acuity.
Only available in 27 states. Acuity is only available in 27 states mostly across the Midwest and Northeast, which is rather sparse when you consider the company’s been around for almost a century.
Not ideal for homeowners with lots of valuables. Acuity’s expensive valuables endorsement for personal property comes with rather low coverage limits. The maximum the company will pay out for jewelry, for example, is only $3,500.
Acuity made the Best Homeowners Insurance Companies list for having one of the most affordable premiums in the industry — $1,257 annually. Compared to the National Association of Insurance Commissioners, that’s right on par with the national average of $1,249.
Acuity doesn’t list out all of its available discounts on its website, aside from mentioning its multi-policy discount. Also known as a bundling discount, you can save up to 20% on your premium if you sign up for both your home and auto insurance with Acuity.
Because you rely on homeowner's insurance to protect your most valuable assets, it's important that the company is fiscally stable and will be able to pay out your claim if necessary. Among the major credit rating agencies, Acuity has great scores.
A.M. Best rating: A+
Moody's rating: N/A
Standard & Poor's rating: A+
A.M. Best is the most reliable credit-rating tool for the insurance marketplace. A good score with A.M. Best means a company is more likely to fulfill its financial obligation to you when it comes time to file a claim. With a score of A+ (effective January 25, 2022), the second-highest rating an insurance company can receive with A.M. Best.
Moody's is very similar to Standard & Poors, except rather than measuring a company's ability to remain financially stable and creditworthy, Moody's measures what the expected losses would be if a company were to go into default. An AAA rating is the highest possible score you can receive from Moody's. Acuity does not currently have a rating with Moody's.
Standard & Poor's measures companies' creditworthiness and is used primarily by financial investors and other market stakeholders. S&P is also valuable in measuring the long-term financial stability of insurance companies. An AAA rating is the highest issuer credit rating assigned by S&P. Acuity's rating of A+ still puts it in a relatively strong financial position.
While Acuity doesn’t have too many third-party ratings, those it does have are good. Trustpilot’s direct consumer reviews are some of the highest we’ve seen for a company, and the National Association of Insurance Commissioners complaint index score is low. Here’s how the scores breakdown.
Consumer Affairs: N/A
Trustpilot: 4.4 / 5
Consumers Advocate: N/A
NAIC complaint index: 0.55
Consumer Affairs is a platform that lets consumers directly rate customers. Consumer Affairs hasn’t rated Acuity yet.
Consumers Advocate rates companies based on stability, reputation, and policy coverage. While Consumers Advocate has a review of Acuity on its site, it’s not currently rated. .
Trustpilot is a consumer review website that allows users to award businesses up to 5 stars along with a written review. Acuity earns a score of 4.4 out of 5 based on over 1,200 reviews as of January 2022. Though this score is based on Acuity as a whole and not just its homeowners insurance product, customers seem happy with claim responsiveness and customer service..
The National Association of Insurance Commissioners tracks the number of complaints submitted to state insurance departments with their national complaint index. A score of 1 is the baseline average, and a score of 0 means there weren't enough complaints to count. Acuity's score of 0.55 means it receives fewer than average complaints.
Acuity keeps its policy options fairly simple, offering a standard home insurance policy with the six core coverages. Those include:
Dwelling coverage. Covers costs to rebuild or repair your home after a covered incident.
Other structures coverage. If you have other parts of your home that are not attached to it, like a shed or a garage, those would also be protected.
Personal property coverage. This coverage protects your belongings in your home, helping to repair or replace them as well.
Additional living expenses coverage. In the case that you can’t live in your home after a covered incident, this coverage takes care of costs like hotels and food.
Personal liability coverage. If a guest is injured or their belongings are damaged in your home, this coverage protects you from any legal action taken against you.
Medical expenses coverage. This covers the cost of medical bills accrued if a guest is injured in your home — regardless of who’s at fault.
But Acuity also has a number of policy add-ons and coverage endorsements that are more than worth the extra few dollars a month, such as:
Guaranteed replacement cost coverage. Ensures your home is fully rebuilt , even if the cost exceeds your coverage limits.
Replacement cost contents coverage. Pays to replace your personal property with brand-new items.
Matching siding coverage. When repairing your home, this endorsement allows you to properly match the facade of your house.
Valuable personal property coverage. If you have jewelry or fine art, this coverage protects those higher value items.
Home business coverage. Protects any items and materials used for your home business.
Service line coverage. Covers power lines or other necessary lines of service that go down.
Mechanical breakdown coverage. Also known as equipment breakdown coverage, this covers the costs of repair or replacement for your home appliances.
Identity fraud and cyber protection coverage. If your identity is stolen or you suffer other cyber losses, this coverage will help pay for you to recover any lost documents and assets.
Note: The information above represents potential policy options and may not be available for every applicant. Speak to a licensed expert for a personalized look at your coverage options.
Acuity is available in 27 states. The application and claims process are fast and easy and can be done online in their entirety.
Acuity homeowners insurance is available in 27 states and is mostly concentrated in the middle of the country. Those states include:
Online quote tool
Online bill pay
Online policy management and electronic policy delivery
Online claims filing
Acuity mobile app
Ease of claims
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:
Calls answered in 15 seconds or less
Single point of contact on every claim
24/7, 365 days a year claims service
Policygenius offers insurance policies from many of the nation's top insurers, who pay us a commission for our services. However, all editorial choices are made independently.