Acuity Insurance Review & Complaints: Auto, Home & Business Insurance

A top regional insurer that has earned numerous awards, Acuity offers property & casualty insurance products for both individuals and businesses. With 90 yeas of experience, this mutual company has both a long history and a strong financial position.

No matter who you choose, it’s important to compare and make an informed decision. Enter your ZIP code into our free tool above to get multiple quotes.

What is Acuity?

The company known today as Acuity was founded in 1925 under the name Mutual Auto Insurance Company of the Town of Herman, in Wisconsin. In 1953 the company made a name change to Mutual Auto of Wisconsin. Headquartered in Sheboygan, Wisconsin, the company made a final name change in 1999 to Acuity Insurance. They continue to operate as a mutual company.

Expanding beyond Wisconsin over the years, Acuity now writes insurance in 24 states. Covering Midwestern states as well as some Southwestern states, but excluding most of the south and states along both coasts.

Acuity writes mainly home and auto along with some recreational vehicle and specialty policies for individuals and offers a full range of commercial products for businesses. All of their products are sold exclusively through independent insurance agents across their service area.

What Types of Insurance Products Are Offered?

Acuity has a fairly strong range of products for both individuals and businesses, with the notable exclusion of life insurance. As a result, they are not quite a one-stop shop, but they do offer some package deals on insurance that are likely to appeal to some consumers.

Is Auto Insurance Offered?

Acuity offers all of the basics of auto insurance along with a good selection of add-on options.

The Personal Auto Enhancements Endorsement is a package that adds the following coverage:

• $10,000 of Accidental Death as well as Disability coverage
• Increased Medical Payments if an injured person was wearing a seat belt
• Locksmith coverage
• $500 in personal property coverage
• Lodging and transportation fees for accidents occurring 50 or more miles from home
• Accidental airbag discharge coverage

Other add-ons include replacement cost coverage and loan/lease gap coverage.

Acuity does not list all of their discounts on the website, but the few listed are common, such as multi-vehicle and good student discounts.

Acuity also offers motorcycle insurance with similar coverage to the auto insurance program, although some options are not available on a motorcycle.

Is Home Insurance Offered?

Acuity promises a homeowner’s insurance policy that offers more than the average program.

Among the included and add-on options:

• Guaranteed replacement cost (most policies)
• Sewer and water back-up coverage up to $25,000
• Blanket endorsements for jewelry and furs
• Identity Theft (at an additional cost)
• Home Business Coverage

Acuity also offers a package endorsement for home with a list of enhancements, however, the website does not specify what those are.

What Additional Products Are Offered?

Package Coverage

Acuity offers two different package coverage options, each with different benefits.

The Per-Pak is a package insurance policy that covers recreational vehicles and watercraft in one. ATVs, snowmobiles, watercraft, and more can all be insured at once with all premiums billed in a single statement.

The Road & Residence package combines homeowner’s and auto in one, and can also include motorcycle and other specialty coverage. It provides a single property limit and a single deductible for convenience.

Other Personal Insurance

Acuity also writes individual Boatowner’s policies for those who do not choose the Per-Pak package option. Finally, they also write Personal Umbrella.

Business Insurance

Acuity writes business insurance for a long list of different industries. They offer a range of products including:

• Auto and Garage
• Crime
• Excess Liability
• General Liability
• Inland Marine
• Property
• Specialty
• Worker’s Compensation

They also offer packaged policies for businesses to encompass all of the company’s needs in one.

Are the Company’s Rates Affordable?

Acuity does offer online quoting, however, because they do not serve the areas where we run our test quotes we are unable to provide a comparison quote.

Acuity is a smaller insurance company and sells products through independent insurance agents, both usually signs of above-average rates. Since rates can differ so greatly, however, the company could be competitive for some customers, particularly when bundling coverage for auto, home, and umbrella where the website states you could save up to 20%.

How Are Claims Handled?

Acuity’s Claims Center section of the website offers clear information regarding how to file a claim and the claims process.

Claims can be filed either by calling the company’s 24-hour claims line: 1-800-242-7666, or by filing online for most lines of business.

Claims are processed in the usual fashion, with an adjuster being assigned after the initial report, an investigation into the incident, estimates for repairs, and then a settlement. The company offers online claims tracking to keep tabs on the status of your claim.

While customers can have their vehicle repaired anywhere, Acuity does have a pre-approved list of shops. These repair shops will work directly with Acuity and guarantee their work.

Are There Consumer Complaints About the Company?

Acuity has been Better Business Buerau accredited since 2001 and carries an A+ rating. There are a total of 17 complaints against the company in the past three years, four of which were closed in the past 12 months. For such a large company, that’s an amazingly low number of complaints.

Reviews of Acuity around the internet are somewhat hard to find, which is generally a good thing – happy people do not tend to seek out review sites.

The lack of negative reviews and complaints is a strong indicator that Acuity is doing something right.

What is the Financial Strength of the Company?

Rating Company	Grade	Financial Outlook
AM Best	A	Stable
Fitch	N/A	N/A
S&P	A+	Stable

What’s the Bottom Line?

Acuity has a strong reputation, a good product lineup, and a strong claims program. Although we were unable to compare their rates, getting an Acuity quote (if you live in their coverage area) is likely worth the effort. Rates are the last puzzle piece in what emerges as a very positive picture of this insurance company.

Enter your ZIP code into our free tool below to compare rates so you can get the right insurance policy for you.