Contrary to its moniker, Auto-Owners provides more than just automobile coverage. In actuality, Auto-Owners home insurance is a viable choice, due to its extensive selection of coverage options and discounts. For instance, its Homeowners Plus package features coverage for appliance leaks causing property damage and foo...Contrary to its moniker, Auto-Owners provides more than just automobile coverage. In actuality, Auto-Owners home insurance is a viable choice, due to its extensive selection of coverage options and discounts. For instance, its Homeowners Plus package features coverage for appliance leaks causing property damage and food spoilage due to a power outage.
Cons
Absence of online quotes or claims submissions., Coverage limited to only half of the U.S. states.
Coverage Type
Around the median
Discounts Type
Excellent
Consumer Complaints
Auto-Owners received significantly fewer than the expected number of complaints to state regulators relative to its size for home insurance, according to three years’ worth of data from the National Association of Insurance Commissioners.
Digital Experience
Home insurance quotes are not available through the Auto-Owners' website. If you reside in a state where Auto-Owners provides coverage, you’ll need to contact an agent to finalize the rate. However, you can use the Auto-Owners site to learn about coverage, pay bills, see policy information and track claims., The Auto-Owners app is available on Android and iOS. You can use it to pay bills, track claims and view policy documents.
Discounts
Opting for paperless billing and online payments., Not filing any claims., Punctual premium payments for at least three years., Requesting a quote before your policy expires., Owning your home free and clear., Installation of an automatic water shut-off system in case of leaks., Bundling your home insurance policy with select other Auto-Owners insurance products., Paying your annual premium in full, upfront., Installing safety equipment like deadbolt locks and smoke detectors., Having a qualifying backup generator., Taking measures to protect your home from wind damage.
Falls Short
Online access. With Auto-Owners, you’ll have to reach an agent to request a quote or file a claim. (Some insurance companies permit these tasks online.), Availability. Auto-Owners offers policies in only half of U.S. states.
Contacting Customer Service
You can reach Auto-Owners at 800-346-0346 from 8 a.m. to 4:30 p.m. ET Monday through Friday. You can also contact the company by completing an online form.
Claim Filing
To file a claim, you need to contact your agent. Once the claim has been submitted, you can track it through the Auto-Owners website or mobile app. For advice, see how to file a home insurance claim.
Not Covered
Flooding., Earthquakes., Wear and tear., Neglect or lack of maintenance.
Optional Coverage
Increased or guaranteed home replacement cost if your dwelling coverage isn’t sufficient to repair or rebuild your home., Water backup for damage caused by overloaded sewers or drains., Special personal property to repair or replace your personal belongings in circumstances your homeowners insurance doesn't typically cover, like misplacement or stains., Ordinance or law to update your home to current building codes following a covered event., Homeowners Plus, a package that covers damage from appliance leaks and spoiled food following a power outage, among other issues., Equipment breakdown for electrical or mechanical failure of appliances in your home, like HVAC units or personal computers., Identity theft expense for expenses up to $15,000 related to restoring your identity after it's been stolen. Learn more about identity theft insurance., Cyber protection for assistance recovering lost or corrupted data or dealing with online attacks., Appliance seepage and leakage to cover water leakage from a domestic appliance or interior sprinkler system., Service line for damage to water, electric or other utility lines., Personal property replacement cost coverage to ensure your claim payout is sufficient to purchase brand-new replacements for stolen or destroyed belongings. (A standard policy pays only the actual cash value of your items, which may not be sufficient for older belongings that have depreciated over the years.), Inland flood coverage for homeowners in low- or moderate-risk flood zones. This coverage is more comprehensive than what’s offered by the National Flood Insurance Program. For instance, it includes personal belongings in your basement and will cover your living expenses if a flood renders your home uninhabitable. Learn more about flood insurance.
NAIC Complaints
Significantly less than anticipated
Pros
Broad spectrum of discounts., Offers unique specialty coverage not provided by many competitors., Minimal consumer complaints.
Standar Coverage
Dwelling. Covers the costs to repair or reconstruct the structure of your home., Other structures. Provides coverage for damage to detached structures like sheds or fences., Personal property. Covers the repair or replacement costs for personal items like furniture or clothing., Loss of use. Takes care of hotel stays, restaurant meals or other costs if you need to live elsewhere while your home undergoes covered repairs., Personal liability. Provides coverage for legal costs and damages if you're liable for injuries to others or their property., Medical payments. Covers injuries to visitors in your home, irrespective of fault.
Stands Out
Valuable coverage options. Notable add-ons include guaranteed replacement cost coverage for your home's structure and inland flood coverage, perfect for those in low-risk areas who don’t want to purchase a separate federal flood insurance policy., Customer satisfaction. Auto-Owners registers significantly fewer consumer complaints than expected for a company of its size.
State Availability
Alabama, Arizona, Arkansas, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, Wisconsin
