Auto-Owners homeowners insurance covers various home types, including mobile homes and condos, in addition to traditional single-family homes. Auto-Owners also offers several discounts to reduce the cost of home insurance premiums.
Auto-Owners was established in 1916 and is headquartered in Lansing, Michigan. The company offers policies in 26 states by working with independently licensed agents.
While Auto-Owners has a comparatively low number of homeowners insurance complaints, according to the National Association of Insurance Commissioners (NAIC), it ranks below average for customer satisfaction in the most recent J.D. Power study.
Comparing homeowners insurance options from Auto-Owners and other companies can help you find the best policy for your needs and budget. Here’s what to know about Auto-Owners home insurance.
Auto-Owners home insurance coverage includes single-family homes, condos, and mobile homes. The company also offers policies for renters and farms.
A standard Auto-Owners homeowners insurance policy includes:1
Dwelling coverage: Dwelling coverage helps rebuild or repair your home and attached structures after a covered disaster.
Other structures coverage: If a covered event damages detached structures on your property, like a garage or shed, other structures coverage can pay to repair or replace them.
Personal property coverage: Personal property coverage provides the cost of replacing personal items — like clothing, furniture, and electronics — if they’re stolen or damaged. This coverage typically extends to your belongings everywhere, even when they’re outside your home.
Personal liability coverage: Liability insurance protects you if someone sues you due to injury that occurs on your property. It can also apply to incidents that occur off your property that result in a lawsuit against you.
Medical payments coverage: If a guest or other visitor to your property gets injured while at your home, medical payments coverage can help pay for their medical expenses.
Additional living expenses coverage: If you need to stay elsewhere while your home is repaired or rebuilt, loss of use coverage can reimburse you for hotel stays and food.
Auto-Owners home insurance also offers a number of optional coverages that you can purchase as add-ons to a basic homeowners insurance policy:
Auto-Owners Insurance Company operates in only 26 states: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.
The company works with 48,000 independent agents and offers an agent locator tool on its website to help you see if coverage is available near you.
Auto-Owners home insurance costs about $2,165 annually for $300,000 of dwelling coverage, Insurify data shows. This is slightly less than the national average home insurance rate of $2,377 annually.
Auto-Owners home insurance premiums fall around the middle of the range of average prices from its competitors. For example, its rates are lower than Farmers’ average of $2,623 annually for $300,000 of dwelling coverage but higher than State Farm’s average of $1,988.
Finding the cheapest home insurance depends on multiple factors, including where you live, how much coverage you purchase, and the size of your deductible. Compare different home insurance quotes to get the best deal.
Several factors influence your home insurance rate, including how much coverage you have for your dwelling. Like all home insurers, Auto-Owners offers different rates based on your dwelling coverage amount. Below are some averages you might pay based on your dwelling coverage.
Where you live makes a difference in your home insurance rate because location is directly tied to risks like severe weather, natural disasters, and property crime rates. Here’s the average annual cost of $300,000 in dwelling coverage from Auto-Owners home insurance in some states where it’s available.
Auto-Owners home insurance reviews from customers are generally less favorable than reviews of some other home insurance companies. And the latest J.D. Power Home Insurance Study gives Auto-Owners an overall customer satisfaction rating of 634, which is below the industry average of 640.
Reviews on Trustpilot give Auto-Owners 2 out of 5 stars, while the star rating on ConsumerAffairs is 1.1 out of 5. Negative reviews commonly mention undervalued claims, claim processing delays, and claim denials.
When comparing insurance companies, consider factors like financial strength (AM Best), customer satisfaction (J.D. Power), and consumer complaints (NAIC). Looking at these issues can help you determine how likely the company is to last for a long time and how much trouble you may encounter when filing a claim.
Don’t forget to compare home insurance discounts when choosing an insurance company. Discounts can reduce your insurance rate and make your policy more affordable. Auto-Owners home insurance offers several discount options:
Payment history: After you make 36 on-time premium payments, you might be eligible for a discount.
Paid-in-full: Pay your premium in full annually and get a discount.
Protective device: Get a lower premium when you show you have deadbolt locks, fire extinguishers, smoke detectors, and other devices that can reduce the chances of expensive claims.
Hurricane/wind damage mitigation: If you add mitigating elements, like storm windows that can reduce severe wind damage, you could qualify for a discount.
Water-shutoff system: You could receive a policy discount by installing a whole-home water-shutoff system to reduce damage from leaks.
Mortgage-free: Once you pay off your mortgage, you could see if you’re eligible for this reduction to your home insurance rate.
One of the easiest ways to save money on your home insurance premium is through bundling. Auto-Owners home insurance offers a discount when you bundle your homeowners policy with auto insurance and life insurance.
Auto-Owners encourages policyholders to contact their local agent to file a claim, or you can call 1 (888) 252-4626 if you’re not able to reach your agent. Here are the steps you should take to file a home insurance claim with Auto-Owners:
The property insurance market is highly saturated, and plenty of options are available for finding the best home insurance. Compare Auto-Owners home insurance to national companies like State Farm and Nationwide to find the best coverage for your needs. You can also see how Auto-Owners stacks up to two other regional home insurance companies below.
Erie home insurance operates in fewer states than Auto-Owners, but its base home insurance policy includes some features that Auto-Owners treats as add-ons, such as guaranteed replacement cost and coverage for items you lose or misplace. Erie’s J.D. Power ranking is notably higher, at 674 (out of 1,000 points).
Erie’s average annual premium for $300,000 of dwelling coverage is $1,388 — one of the lowest averages available.
American Family advertises a wider variety of home insurance add-ons, including ones for flash flooding, credit monitoring, and senior living coverage that protects the personal property of a loved one in an assisted living facility. American Family’s J.D. Power ranking is only slightly higher than Auto-Owners and is still below the average for the industry.
American Family’s average annual premium for $300,000 of dwelling coverage is $1,657.
When considering home insurance from Auto-Owners, you might have questions. Here are some of the common concerns people have when researching Auto-Owners as part of their effort to compare home insurance companies.
Yes, Auto-Owners is a legitimate insurance company. The company is licensed in 26 states and sells auto and life insurance as well as home insurance. Additionally, the company has an AM Best rating of A+, indicating that it has a superior financial situation.
The average cost of Auto-Owners homeowners insurance depends on various factors, including where you live and how much coverage you buy. On average, homeowners pay about $2,651 annually for $300,000 of dwelling coverage.
Auto-Owners says it pays all it owes on claims as soon as possible. It cites being recognized as one of the top insurers for homeowners claim service and offers the ability to start the process 24/7. But numerous online reviews point to an unsatisfying claims process, and the company ranked below average for customer satisfaction in the 2024 U.S. Home Insurance Study by J.D. Power.
Auto-Owners has an AM Best rating of A+ (Superior), indicating that it has a strong financial position. It’s likely to be able to meet its claims obligations and is unlikely to have financial problems that would cause it to fail.
Mold usually only has coverage if it results from a covered peril. For example, mold caused by a leak might be covered, while mold resulting from groundwater flooding the basement might not be covered. Check your policy and ask your agent if you’re unsure.
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