Auto-Owners Homeowners Insurance Review
Auto-Owners homeowners insurance combines competitive pricing, exceptional claims service, and unique bundled features to create one of the strongest homeowners insurance products in the United States. The Fortune 500 mutual insurer’s A++ Superior rating from A.M. Best is the highest possible, providing exceptional financial security for policyholders. Combined with #1 J.D. Power claims satisfaction rankings and the unique Common Loss Deductible feature when bundled with auto, Auto-Owners offers comprehensive homeowners protection that few competitors can match in served states.
This guide reviews Auto-Owners homeowners insurance in detail including coverage options, pricing, claims experience, available discounts, and how the company compares to other major homeowners insurers.
Auto-Owners Homeowners Insurance Overview
Auto-Owners offers comprehensive homeowners insurance through its 6,400+ independent agent network across the 26 states where the company operates. The company writes coverage for homes ranging from modest properties to higher-value homes through standard and enhanced policy options.
Auto-Owners’ homeowners insurance is well-regarded for top-tier claims satisfaction, comprehensive coverage options, competitive pricing, and integration with auto insurance for bundling benefits including the unique Common Loss Deductible.
Coverage Options Available
HO-3 Special Form Policy
Auto-Owners’ standard homeowners policy is the HO-3, which provides open-perils coverage for the dwelling structure and named-perils coverage for personal property.
HO-5 Comprehensive Form
Auto-Owners offers HO-5 coverage providing open-perils coverage for both the dwelling and personal property.
HO-6 Condominium Insurance
Condo-specific coverage that addresses the split between unit owner responsibility and condo association master policy coverage.
HO-4 Renters Insurance
Renters insurance for tenants, providing personal property and liability coverage.
Tenant-Occupied Coverage
Auto-Owners offers landlord insurance for rental properties.
Farm Insurance
Comprehensive farm and ranch coverage combining residence, outbuildings, equipment, livestock, and farm liability into integrated programs.
Standard Coverage Components
Dwelling Coverage
Auto-Owners dwelling coverage protects the physical structure of your home. Replacement cost coverage is standard.
Personal Property Coverage
Personal property coverage typically defaults to a percentage of dwelling coverage. Replacement cost coverage is available.
Other Structures
Coverage for detached garages, sheds, fences, and similar structures, typically set at 10% of dwelling coverage.
Loss of Use
Coverage for temporary living expenses if your home becomes uninhabitable, typically set at 20% to 30% of dwelling coverage.
Personal Liability
Coverage against lawsuits arising from incidents at your home. Standard limits start at $100,000, with higher limits up to $500,000 available.
Medical Payments
Small no-fault coverage for guest injuries, typically $1,000 to $5,000 per person.
Auto-Owners Unique Homeowners Features
Common Loss Deductible
When the same event damages both your Auto-Owners home and auto policies, the Common Loss Deductible waives your auto deductible. This is one of the most distinctive bundled insurance features available from any major insurer.
Personal Property Plus Package
Optional enhanced personal property coverage package adding multiple coverages including additional personal property limits, increased liability options, and specialty endorsements.
Guaranteed Home Replacement Cost
Optional coverage that pays full replacement cost regardless of policy limits if rebuilding costs exceed dwelling coverage.
Ordinance or Law Coverage
Optional coverage for costs of bringing your home up to current building codes during covered repairs.
Service Line Coverage
Optional coverage for damage to underground utility lines that connect to your home.
Identity Theft Expense Coverage
Identity theft expense coverage including reimbursement for identity restoration costs.
Equipment Breakdown Coverage
Optional coverage for damage to home systems and appliances from electrical or mechanical breakdown.
Sewer and Drain Backup Coverage
Optional coverage for damage from sewer or drain backups, which is excluded from standard homeowners coverage.
Auto-Owners Homeowners Insurance Cost
Auto-Owners homeowners insurance averages $1,200 to $1,750 per year in served states.
| Dwelling Coverage | Auto-Owners Average | National Average |
|---|---|---|
| $200,000 | $850 to $1,150 | $1,000 to $1,500 |
| $300,000 | $1,100 to $1,600 | $1,300 to $2,000 |
| $400,000 | $1,450 to $2,100 | $1,700 to $2,700 |
| $500,000 | $1,750 to $2,700 | $2,100 to $3,400 |
| $750,000+ | $2,450 to $4,600+ | $3,200 to $5,000+ |
Available Discounts
Multi-Policy Bundling Discount
Bundling homeowners with Auto-Owners auto insurance produces savings of up to 25% on both policies, plus the Common Loss Deductible feature.
New Home Discount
Newly constructed homes typically qualify for substantial discounts.
Newly Purchased Home Discount
Recently-purchased homes often qualify for premium discounts.
Protective Device Discount
Homes with smoke alarms, fire extinguishers, security systems, and similar safety features qualify for premium discounts.
Home Security System Discount
Homes with monitored security systems qualify for additional discounts.
Hail Resistant Roof Discount
Homes with impact-resistant roofing materials in hail-prone areas qualify for substantial discounts.
Higher Deductible Discount
Choosing a higher deductible reduces your premium.
Claim-Free Discount
Long-term claim-free customers receive accumulating discounts.
Auto Pay Discount
Setting up automatic premium payments qualifies for savings.
Paperless Discount
Choosing electronic billing qualifies for a small discount.
Life Multi-Policy Discount
Customers who also have Auto-Owners life insurance qualify for additional discounts.
Claims Experience
Auto-Owners consistently ranks at the top of homeowners claims satisfaction studies.
24/7 Claims Filing
Claims can be filed any time through the mobile app, website, phone at 1-888-252-4626, or your independent agent.
Independent Agent Advocacy
Your Auto-Owners agent provides personalized advocacy throughout the claims process.
Common Loss Deductible
If the same event damages home and auto, your auto deductible is automatically waived.
Fast Resolution Times
Auto-Owners claims are typically resolved faster than industry average.
Pros and Cons of Auto-Owners Homeowners Insurance
Pros
- A++ Superior financial strength rating (highest possible)
- Competitive pricing in served states
- #1 or top-tier claims satisfaction rankings
- Common Loss Deductible for bundled home and auto
- Strong bundling discounts (up to 25%)
- Excellent independent agent advocacy
- Comprehensive coverage options
- Strong farm and agricultural insurance options
- Mutual company structure prioritizing policyholders
- 100+ years of operational history
Cons
- Available only in 26 states
- Limited online direct purchase (agent-based model)
- Some specialty coverages may have limited availability
How Auto-Owners Compares to Other Major Insurers
| Insurer | Average Annual Premium ($300K Coverage) | Strengths |
|---|---|---|
| USAA (military families) | $1,300 | Military focus, ratings |
| Erie Insurance | $1,300 | Customer satisfaction, standard coverage |
| Auto-Owners | $1,350 | Claims satisfaction, Common Loss Deductible |
| State Farm | $1,500 | Bundling, local agents |
| American Family | $1,500 | Loyalty Rewards, smart home |
| Nationwide | $1,600 | Brand New Belongings |
| Travelers | $1,650 | Decreasing Deductible |
| Farmers | $1,700 | Tiered coverage |
| Allstate | $1,750 | Unique features |
| Liberty Mutual | $1,800 | Customization options |
Who Should Choose Auto-Owners Homeowners Insurance?
- All households in Auto-Owners’ 26 served states
- Households bundling auto and home insurance (Common Loss Deductible)
- Customers prioritizing top claims satisfaction
- Customers wanting the highest possible A++ financial rating
- Farm and agricultural property owners
- Households wanting independent agent flexibility
- Customers seeking competitive pricing with high service quality
Who Should Look Elsewhere?
- Customers outside Auto-Owners’ 26 served states
- Households wanting fully online direct purchase experience
- Military families who qualify for USAA
- Customers wanting the absolute lowest pricing without service considerations
How to Get the Best Auto-Owners Homeowners Quote
Bundle Auto and Home
Combining auto and home with Auto-Owners produces meaningful bundling discounts (up to 25%) plus the Common Loss Deductible benefit.
Add Guaranteed Home Replacement Cost
This optional coverage protects you from rebuilding cost increases that exceed dwelling coverage.
Apply All Available Discounts
Ask Auto-Owners specifically about every available discount.
Set Appropriate Deductibles
Higher deductibles reduce premiums.
Add Ordinance or Law Coverage
Particularly valuable for older homes that may require code-compliant repairs.
Work With an Independent Agent
Auto-Owners’ independent agents can compare against multiple insurers to ensure competitive value.
Compare Against Other Carriers
Even with Auto-Owners’ strengths, comparing rates ensures competitive pricing. The team at Matrix Insurance can help compare Auto-Owners against other top carriers.
Our broader guide on what is homeowners insurance provides additional context for evaluating any homeowners policy.
Frequently Asked Questions
Is Auto-Owners homeowners insurance worth it?
For households in served states, yes. Auto-Owners offers competitive pricing combined with top-tier claims satisfaction. The Common Loss Deductible feature provides additional value for bundled customers.
Does Auto-Owners offer flood insurance?
Yes. Auto-Owners sells flood insurance through the National Flood Insurance Program (NFIP).
How much does Auto-Owners homeowners insurance cost per month?
Monthly costs typically range from $70 to $225 for most homeowners depending on home value, location, and coverage levels.
Does Auto-Owners cover roof replacement?
Auto-Owners covers roof replacement when damage results from covered perils.
Can I cancel Auto-Owners homeowners insurance?
Yes. Contact your Auto-Owners independent agent or customer service.
Does Auto-Owners offer earthquake insurance?
Yes. Auto-Owners offers earthquake coverage as an endorsement in earthquake-prone states where the company operates.
What is Auto-Owners’ homeowners insurance phone number?
For general customer service: 1-517-323-1200. For claims: 1-888-252-4626, available 24/7.
The Bottom Line
Auto-Owners homeowners insurance is exceptional for households in served states. The combination of competitive pricing, top-tier claims satisfaction, the unique Common Loss Deductible feature when bundled with auto, A++ Superior financial strength rating (highest possible), and personalized independent agent service makes Auto-Owners one of the strongest homeowners insurance options in the United States.
For most shoppers in Auto-Owners’ 26 served states, the company deserves serious consideration during the homeowners insurance shopping process. The combination of competitive pricing and exceptional service quality is difficult to match among major insurers.
The team at Matrix Insurance can help you compare Auto-Owners homeowners insurance against other top carriers. Use our Home Insurance Calculator for a starting estimate, or reach out to our team directly for a personalized quote comparison.
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