Acuity Home Insurance Review

Suitable For?

Acuity offers affordable home insurance products throughout 27 states across the United States. Acuity is one of only a few carriers that offers guaranteed replacement cost for your home, meaning that they’ll pay to repair or rebuild it, no matter the cost.

Adding to its appeal, Acuity has an A+ rating with A.M. Best, which is the benchmark for insurance companies’ financial strength. Acuity offers a number of discount options, as well.

What Coverage Includes

Acuity keeps its policy simple. It offers a home insurance policy with basic coverage of repairing and rebuilding your home and any other structures on your property. It also covers any living expenses incurred if you have to leave your property, along with coverage to protect you in case of a lawsuit over property damage or injury, and coverage for any guests that are injured in your property whether you are liable on not.

These are the 6 core coverages:

• Dwelling
• Other structures
• Personal property
• Loss of use
• Personal liability
• Medical payments for guests

Additional Coverage

Acuity also has several low-cost policy add-ons and coverages. The reason for taking out extra coverage can be because you need a higher liability coverage than what's offered in the standard policy, or for any specific items of value. Whatever your reasons are, the additional add-ons are more than worth the extra cost each month.

The additional coverage options available are:

• Guaranteed replacement cost dwelling coverage
• Replacement cost contents coverage
• 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

Application Process

Acuity’s application process is easy and can be done completely online. You simply put in all of your personal details, answer a few questions about your home, let them know whether you’d like to bundle your home insurance with any of their other insurance coverage policies, and within a matter of seconds, you receive your quote.

Once you have your quote, you then have the option of customizing the policy to your liking by adding or removing things from your coverage. If you do make any changes to the policy, they will generate a new quote in seconds so that you can see how making those changes affects the cost of your policy.

Acuity is available in the following 27 states:

Arizona, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Maine, Minnesota, Missouri, Montana, Nevada, New Mexico, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Vermont, Wisconsin & Wyoming.

Discounts

Acuity offers the following discounts:

• 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.
• Mature homeowner discount - If you’ve owned a home for a certain number of years, Acuity will trim your rates.
• Newer home discount - If you’re insuring a newer home, you may be eligible for a newer home discount with Acuity.
• Paid-in-full discount – A generous discount is offered when you pay all of your home insurance premiums for the year upfront.
• Smart home systems discount - You get a discount if your home is fitted with an advanced security system or smart home device.

How Safe Is It?

Acuity keeps all of the information that they collect from each customer private and safe with technological safeguards to ensure the utmost security at all times. Also, they have earned an A+ financial rating with A.M. Best, as well as lots of positive reviews from customers over the years.

Claims & Customer Support

There are a few options if you need to file a claim and or contact customer support at Acuity:

• You can call their claims center.
• File a claim through their website.
• Report the loss through their mobile app.

Acuity makes a few promises according to the company website, and guarantees the following:

• Calls answered in 15 seconds or less
• Single point of contact on every claim
• 24/7/365 claims service
• Same-day contact

Contact info

Website: www.acuity.com

Phone: (920) 458-9131

Headquarters: 2800 S Taylor Dr, Sheboygan, WI 53081

 Summary

Founded in 1925, Acuity is an award-winning personal and professional insurance provider that makes getting home insurance and claiming for it straightforward and gives its clients peace of mind. They know that insurance can be confusing, and with their professionals on hand, they help you make clear decisions when it comes to selecting the right coverage that is tailor-made for you. And with all of their additional coverage options, they really are a one-stop-shop.