Acuity Home Insurance Review

Acuity offers comprehensive and reliable home insurance coverage at affordable rates.

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Overview

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.

Pros

  • Guaranteed replacement cost home coverage
  • Replacement cost personal property coverage
  • Affordable, flexible policy options
  • Generous discounts
  • Excellent claims service

Cons

  • Acuity home insurance is only available in 27 states
  • Coverage might not cut it if you have lots of valuables

Acuity by the numbers

Founded: 1925

Market share: 0.15%

A.M. Best rating: A+

Better Business Bureau rating: A+

Consumer Reports: N/A

J.D. Power: N/A

What states is Acuity available in?

Acuity homeowners insurance is available in 27 states.

acuity home insurance availability by state

StateAvailabilityStateAvailability
Alabama Nebraska
Alaska Nevada
ArizonaNew Hampshire
Arkansas New Jersey
California New Mexico
ColoradoNew York
Connecticut North Carolina
Delaware North Dakota
Florida Ohio
Georgia Oklahoma
Hawaii Oregon
IdahoPennsylvania
IllinoisRhode Island
IndianaSouth Carolina
IowaSouth Dakota
KansasTennessee
Kentucky Texas
Louisiana Utah
MaineVermont
Maryland Virginia
Massachusetts Washington
Michigan Washington D.C.
MinnesotaWest Virginia
Mississippi Wisconsin
MissouriWyoming
Montana

Policy details

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:

  • Guaranteed replacement cost dwelling coverage
  • Replacement cost contents coverage
  • A bundled endorsement package that provides extended personal property protection and services (like lock replacement) to your policy
  • Water backup coverage
  • Jewelry coverage
  • Identity theft coverage

How much does Acuity cost?

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 coveragesPolicy limits
Dwelling$320,500
Other structures$32,050
Personal property$160,250
Loss-of-use$160,250
Personal liability$500,000
Medical payments for guests$5,000
Premiums$1,257.96

Additional coverages

  • Guaranteed replacement cost - Repairs or rebuilds your home even if the damage exceeds your coverage limit
  • Identity/cyber protection - Up to $25,000 in coverage for expenses incurred as a direct result of identity theft or cyber loss
  • Jewelry/furs blanket endorsement - Higher coverage limits and additional protection for jewelry, watches, and furs if they’re stolen, misplaced, or lost
  • Water backup coverage - If a sewer or drain backs up and overflows,damaging your home and personal property, water backup coverage will repair and replace your property
  • Coverage enhancements plus - Coverage enhancements plus is a bundle of coverages that provides extra protection to certain expensive valuables that have strict sublimits in your base policy

Here’s how Acuity stacks up against the competition in terms of the most common coverage endorsement offerings:

home insurance coverage endorsements by carrier

Discounts

  • Paid-in-full discount - Generous discount when you pay for all your home insurance premiums for the year up front
  • Bundling discount - Get a 20% discount when you combine your home, auto, or umbrella insurance with Acuity
  • Fire protection systems discount - Earn discounts if your home has smoke and fire alarms
  • Smart home systems discount - Discount if your home is fitted with an advanced security system or smart home device
  • Newer home discount - If you’re insuring a newer home, you may be eligible for a newer home discount with Acuity
  • Mature homeowner discount - If you’ve owned a home for a certain number of years, Acuity will trim your rates

Company details

Application process

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.

Claims process

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
  • Same-day contact

Other types of property insurance offered

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.

  • Auto insurance - Protection for your whip
  • Motorcycle insurance - Covers your motorized bike
  • Snowmobile insurance - Insurance for your snow whip
  • Boat & yacht insurance - Covers everything from your fishing to cruising boat to your megayacht
  • Personal watercraft insurance - For smaller watercrafts like Jet Skis
  • RV & camper insurance - Protection for your house on wheels
  • ATV insurance - Coverage for your quad
  • Renters insurance - Protection for stuff in your rental unit (and outside your rental unit)
  • Condo insurance - Protects your condo's structure and all your stuff inside, plus provides any additional liability coverage you need to supplement your HOA's master policy
  • Renters insurance - If you lease your home, renters insurance protects your stuff and your liability
  • Identity theft insurance - Protects your identity if someone steals it
  • Umbrella insurance - Adds an extra layer of liability coverage to your policy

Digital tools

  • Acuity mobile app
  • Web application
  • Web policy management and bill pay
  • Web claims portal

Contact info

Website: www.acuity.com
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.