StandardVerified Q1 2026
Source: Acuity — Landlord and Rental Property Insurance
Acuity: Real Estate Insurance Appetite
Acuity is a good option for Midwest landlords and property managers. Their landlord/rental property program with lost rental income and D&O coverage is well-designed. For real estate agencies and brokerages needing E&O, pair with CNA or a dedicated real estate E&O market. Acuity is strongest on the property management side of real estate.
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Business Owners Policy (BOP) |
| Umbrella/Excess |
Premium Range
$2,000-$12,000
Typical annual premium
Target States
32 states (Midwest/Central focus)
Key Features
- Landlord and rental property insurance with specialized coverages for apartment and condo businesses
- Lost rental income coverage for landlords during property repairs
- Directors and officers liability for rental property associations
- Personal landlord insurance for homeowners with fewer than 4 rental properties
- Commercial property management insurance for larger portfolios
Limitations
- E&O for real estate agents and brokers is limited — CNA offers stronger coverage
- Large commercial real estate portfolios may exceed mid-market appetite
- Limited to 32-state operating territory
Compare Other Carriers for Real Estate
Progressive CommercialStandard
$1,800-$10,000
TravelersStandard
$3,000-$20,000
CNAPreferred
$4,000-$25,000
HiscoxStandard
$600-$4,000
ERGO NEXT InsurancePreferred
$500-$3,000
The HartfordStandard
$2,500-$20,000
EMPLOYERS HoldingsStandard
$600-$4,000
Erie InsuranceStandard
$2,000-$10,000
biBERKPreferred
$1,000-$8,000
AmTrust Financial ServicesStandard
$1,500-$10,000
BTISPreferred
$2,000-$15,000
Pie InsuranceStandard
$500-$4,000