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Auto-Owners homeowners insurance

Auto-Owners offers all the standard homeowners coverages, including protection for your home and other structures like sheds, liability insurance, personal property coverage and additional living expenses coverage. Homeowners policies from Auto-Owners can also be personalized with add-ons:

  • Guaranteed home replacement cost provides full replacement of your home in the event that your coverage limit is too low to pay for replacing it entirely. This can happen if your home has gone up in value and your policy reflects an earlier, lower value.
  • Sewer or drain water backup isn’t covered by a standard policy, but the damage from such a backup can be tremendous. This coverage pays for repairs to floors, walls, furniture and electrical systems and is available from Auto-Owners in several limits.
  • Special personal property coverage takes standard homeowners insurance a step further by paying for misplacement, staining or defacing of your property.
  • Ordinance or law coverage pays out to get you up to code when local laws change and affect the costs of repairs, construction or demolition of your home.
  • Equipment breakdown, like the failure of your air conditioner, refrigerator or washing machine, can be costly and isn’t covered by standard policies. This add-on pays out in those situations.
  • Identity theft coverage pays up to $15,000 for expenses related to restoring your financial identity if it’s stolen.
  • The Homeowners Plus package bundles several coverages, including those that pay for damage caused by appliance leaks and better coverage for food spoilage due to power failures.

Auto-Owners home insurance discounts include: 

  • Multipolicy discount.
  • Life insurance premium multipolicy discount.
  • Discount for 36 months of on-time premium payments.
  • Paperless, paid-in-full and online payments discounts.
  • Discount for new applicants who get a quote before day one of the policy.
  • Discount for devices such as smoke detectors, deadbolt locks and fire extinguishers.
  • Discount if you have an approved system that automatically turns off water supply throughout the home when a leak is detected.
  • Automatic backup generator discount.
  • Mortgage-free discount.

Auto-Owners life insurance
You can get term, whole and universal life insurance policies from Auto-Owners Insurance. For most families, term life insurance is the best mix of price and protection. From Auto-Owners, term life insurance comes in 10-, 20- or 30-year terms and can be extended to age 95. Consult a financial advisor if you’re considering permanent life insurance.

Auto-Owners complaints and customer satisfaction
Auto-Owners had far fewer than the expected number of complaints to state regulators relative to its size for life, home and auto insurance, according to three years’ worth of data from the National Association of Insurance Commissioners

Auto-Owners has some of the best customer satisfaction ratings in the industry.

2019 J.D. Power studyAuto-Owners ranks...
Auto insurance shoppingBetter than most
Auto insurance claims satisfactionAbout average
Home insuranceBetter than most
Property insurance claimsBetter than most