Acuity
Home Insurance
Package (Road and Residence)
Save up to 20% when you combine all of your home, vehicle, and umbrella insurance. Our Road and Residence® program combines home, auto, and other personal insurance into one policy with value-added features. You'll automatically get guaranteed replacement cost for your home and replacement cost for your personal property. You’ll also enjoy one high limit that can apply to any property as well as a single deductible.
Features:
1. Generous blanket limit – One limit for other structures, personal property and additional expense incurred if you need to live elsewhere while your home is being repaired
2. One deductible – Apply one deductible in the event a loss affects more than one type of coverage
3. Guaranteed Dwelling Replacement Cost or Cash Out – Option to rebuild regardless of limit OR take the dwelling limit if you chose not to rebuild
4. Personal Property Replacement Cost – Replace damaged possessions regardless of depreciation
5. Up to 20% package discount
6. One bill for all your coverages
Home and Auto Insurance Packages
Locations Served
United States
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Max Coverage
No maximum coverage
Guaranteed Home Replacement
One of Acuity’s stand out coverages, Guaranteed Home Replacement will cover the full cost of rebuilding your house after a total loss, even if it exceeds your policy limit!
Covers:
1. Cost to rebuild your house after a total loss
2. Guaranteed – No cap
3. Option to replace OR cash out – Customer has a choice of rebuilding or simply choosing to take the dwelling limit
Locations Served
United States
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Max Coverage
No maximum coverage
Identity Theft/Cyber
Identity theft and cyber-attacks are becoming increasingly more common. Add an extra layer of protection not otherwise covered under your home policy. Receive professional assistance and reimbursement in the event of an identity or cyber related loss.
Covers:
1. Identity Fraud Expense Reimbursement and Recovery Assistance
2. Data Recovery and System Restoration costs arising out of a cyber attack
3. Cyber Crime coverage for money lost arising out of phishing, credit card fraud, wire transfer fraud, forgery, and electronic theft from a bank account
4. Cyber Extortion expenses, including money lost
5. Cyber Bullying recovery expenses
6. Breach Notification Costs if personal information of others is hacked
7. Cyber Protection Legal Expense and Damages Reimbursement
Locations Served
United States
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Max Coverage
25,000
Service Line Coverage
Service line coverage is an often overlooked need for a homeowner. The homeowner is responsible for the underground piping that runs from the street to the home and provides water, sewer, and electrical services. If that is damaged, and you don’t have service line coverage, you could be left footing the bill.
Covers:
Damage to service lines caused by:
1. Wear and tear or rust
2. Mechanical breakdown
3. Freezing
4. Tree root or other plant invasion
5. Weight of vehicles or equipment
6. Electrical current
7. Animals, including insects
Locations Served
United States
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Max Coverage
10,000
Home Business
If you run a business out of your home, then you need Home Biz insurance from Acuity! Regular homeowners insurance does not provide the coverage needed to protect a business. Our unique product is among the broadest of coverages in the industry for protecting your home-based business.
Covers:
1. Personal property used in your business
2. Valuable papers
3. Accounts receivable
4. Electronic equipment, including computer hardware
5. Customers’ property in your care
Locations Served
United States
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Max Coverage
50,000
Product FAQ
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Homeowners, Condo, Renters, Auto, Motorcycle, Boat, Recreational Vehicles, Umbrella
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Package policies that include home, auto, and any other items you need protection for.
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A reputable carrier that provides world-class claims service and is financially stable.
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