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

Acuity Insurance Company offers both individual and business coverage including Acuity car insurance and home insurance policies. Our Acuity Insurance review finds that Acuity Insurance quotes are not available online, but customers can save up to 20% with the Acuity Insurance bundle discount.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 15, 2020

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Acuity Insurance
Financial Strength

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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.

Acuity Insurance Summary

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 if 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 agents across their service area.

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Insurance Products

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 the do offer some package deals on insurance that are likely to appeal to some consumers.

Auto Insurance

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.

Home Insurance

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.

Additional Products

Package Coverage

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

The Per-Pak is a package 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.

Acuity Insurance Rates

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 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 websites states you could save up to 20%.


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.

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Consumer Research and Complaints

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.

Financial Strength

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

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.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

Review Date
Acuity Insurance
Author Rating

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. On Dec 31, 2018, the Nina Darling, owner in 606 the unit above me overflowed her toilets and came into the ceiling of my bathrooms.

    She denied to me that she had water running.

    I called the emergency number of Lieberman 847-459-000 and spoke with Deborah Nixon who stated she had to get into the unit upstairs for the plumber to determine the source of the water,

    She then called me back and said the owner admits to the toilet overflowing and that the water was turned off and I would need to call my insurance company for repairs.

    The owner did not know how to turn off the toilet and for several hours she let it run without seeking help.

    On Jan 1, 2018, I left Nina a note to contact her insurance company.

    I received a note back that she did contact them and I should not do repairs until I heard from Triple-A Insurance 630-945-2115.

    I opened a claim with my carrier, Acuity, claim #Q64447, who immediately sent a restoration company.

    3/4 of the ceiling in the guest bathroom was removed, the wall between both bathrooms, the wall between the kitchen and the bathroom and 1/4 of the ceiling in the master bath were removed.

    Fans ran for 3 days to dry the area. The walls were replaced and a deep cleaning completed. I had to pay the $1000.00deductible. The damage is around $8000.00.

    Sometime around the 10 or 11th of Jan, 2019 I was notified that the bylaws of the condominium do not subrogate for $1000, 00 deductible and that Triple-A was not responsible.

    At the same time, I was seeking the assurance of Lieberman that the toilets were repaired before the construction was completed.

    There was no response. I left voice messages for Jim Beck whos supposed to be the building manager.

    On Jan 12, 2019, I contacted the Board member. I then received a voice mail message from a representative that everything was completed and I could compete for the work, which was done.

    On Feb 14th I am getting on the elevator and find that there are 2 plumbers leaving 606 after they had repaired the toilets that the owner tried repairing.

    They said, “they were a mess”. I called Lieberman CEO who did return my call, listened to my complaints and referred the call to Karen Belinski.

    She did call me back. I told her the reason I was calling was that I am not assured that the toilets in 606 are in functioning order and that the washer in the same unit when it is on at 530am and 6 am, there is a ping sound in the flexible tubing in my dryer.

    I asked that this be brought to the attention of the owner.

    I believe that the Association has a responsibility to enforce any repairs to safeguard the building.

    Yes, she agreed. So did Acuity. However, they have never stepped up.

    Nothing was done. Last week I sent an email complaint about the washer again and no response.

    I suggested that Lieberman send the email to her.

    On Thurs. March 10th the plumbers were back in 606 to redo the toilets. I asked if they were checking the washer, they said no.

    Today, again at 6 am the washer noise woke me up.

    This is a living nightmare to worry if this careless woman can damage my unit again and put me through the same trauma with the management company and their employees fully aware of the problem.

    Lieberman is not working on its responsibility it owes me to insure that the negligence and malicious behavior of this owner are stopped.

    neither is Acuity and the aduster Dave Jiste and Andy Mixell.

    The Harwood Heights police are involved as both homeowners are claiming harassment.

    The police question was is Acuity in trying to secure my deductible and limit my damages. They are nowhere.

    They are suggesting I file a civil complaint. Where is the Acuity lawyer?

    Nowhere heard from them. however, I received a notice that my insurance is being evaluated for 2019.

    This insurance company is a scam. At no time have they been of help.

    The adjuster was more concern about getting a claim to his restoration crew that helping the client who is forking out $1987.00 a year in premiums and still having to pay out $1000 in deductibles.

  2. Acuity is the worst insurance company I have ever dealt with. If you have a claim against them, you had better get a lawyer because they will offer you crumbs. They never return calls, and if you talk to their manager, he starts dodging you also. It is so true, get a lawyer.

  3. I wholeheartedly feel that Acuity insurance “baits and switches”. If I could rate them in a minus category, I would. I never came even close to HINTING about inquiring about a claim in over 10 years that I had them as underwriter. But they pretty much doubled my premiums over one year after an audit. What a scam!!! DO NOT LET YOUR AGENT SIGN YOU UP WITH THIS COMPANY! THEY WILL SURELY DO YOU WRONG!!!!

  4. I am furious with acuity. I’m a small business owner. I paid my premiums on time and they continue to tell me that I have not paid my premiums. I have sent copies of my auto debit from my business account to them which proves all my payments. They hired a lawyer and collection agency to go after me for $1,100. I sent the paperwork to the collection agency showing them all the bank withdrawals and they still will not admit they made a mistake. Absolutely horrible horrible insurance company. I will go to court and 20 days to show the judge all my payments that I made. To sit here and waste my time like that is inconceivable and totally unprofessional and I would never ever use acuity again.

    • We have had insurance with ACUITY this past year of 2016. We had auto, business, and workmen’s comp. We also had a very unpleasant time this past year in dealing with this company. We are based in Arizona, and they are in Wisconsin, so beware of the time difference, if you try to pay your exorbitant Premium on time going by your time zone, this is based on their business hours which are 3 hours ahead. Then they will say you were late with your payment, and then charge you a huge penalty. They have zero tolerance for making a customer feel welcome or special, as I was dealing with a robot of a human being who has no personality or compassion for a struggling business owner. One month we had to pay almost $4,000 to keep our insurance current, and at the beginning we received a payment schedule, and would frequently receive a revised ones with the prices going up, and up, and up. With the prices we were paying you would think they could accommodate you with VIP treatment, on the contrary, they do not honor replacement glass on your vehicle, and the 24 hour road service was pretty much non existent, and again another person to talk to that just really doesn’t care about you as a Customer or a Client. We were told that they would be the only insurance company that would insure a Risk like us. Funny, that the only reason we became a risk was because of their demanding business practices, and funny that Geico insured our vehicles for $1000 for 6 months, and we received new Liability Insurance at the same price, which is a minute fraction of what we paid to ACUITY. So, please beware, there is so much more to offer in the insurance industry than this company does.

      Thank you.


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