Auto-Owners home insurance ratings

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Overall Rating info icon info icon
4.0 ratings
Claims Processing
3.5 ratings
Customer Service
4.0 ratings
Value for Price
3.5 ratings
Website and Apps
3.5 ratings
% Who Would Recommend to a Friend
83%
% Who Plan to Renew
94%
AM Best Financial Strength Ratings info-icon info-icon July 01, 2021
A++

HOW WE WEIGH OUR SCORE

WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

Best home insurance companies 2021: Auto-Owners

For over 100 years, Auto-Owners has been dedicated to the independent agency system

How Auto-Owners compares

Auto-Owners earned a four-star InsureScore in our annual Best Home Insurance Companies review. Their highest score, at four stars, was in customer service and they earned three and a half stars in claims, price and website & apps.

Ninety-four percent of customers surveyed said they planned to renew their policies with Auto-Owners and 83% of customers said they would recommend Auto-Owners to a friend.

Types of coverage offered by Auto-Owners home insurance

  • Dwelling
  • Personal property
  • Medical payments to others
  • Personal liability
  • Additional living expenses

Discounts offered by Auto-Owners home insurance

    • Multi-policy
    • Payment history
    • Green discount
    • Protective devices 
    • Automatic backup generator 
    • Life multi-policy 
    • Paid-in-full 
    • Advance quote 
    • Water shut-off system
    • Mortgage-free
    • Favorable loss

Additional coverage offered by Auto-Owners home insurance

  • Condo
  • Renters
  • Mobile home
  • Umbrella
  • Farm
  • Pet
  • Flood
  • Auto
  • Motorcycle
  • Off-road and ATV
  • Motorhome and RV
  • Boat
  • Trailer
  • Life
  • Business

In which states Auto-Owners is available?

States in which Auto-Owners is available
Alabama
Arkansas
Arizona
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
Wisconsin

Reasons for Buying

Customers of Auto-Owners originally decided to purchase from the company for these reasons:
  • 25% Offered best price
  • 18% Recommended by friend or family member
  • 18% Reputation
  • 14% Saw TV commercial
  • 13% I had other insurance with this company
  • 5% Financial strength rating
  • 5% Saw online ad
  • 2% Was the company my parents had
  • 0% The company website and mobile apps are easy to use and helpful

Customer Complaint Ratio

info icon
( Auto-Owners’s customer complaint ratio for Homeowners insurance is 0.19 )
0.19
0 1 3 10+
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above

More things to consider about Auto-Owners homeowners insurance

How likely to recommend?

  • 49%I would definitely recommend this company
  • 34%I would probably recommend this company
  • 13%Neutral
  • 4%I would probably not recommend this company
  • 0%I would not recommend this company

Would you renew?

94% Yes
6% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 45%
  • Fairly satisfied / Fulfills my needs OK 23%
  • Average website and apps 13%
  • Very unsatisfied / digital offering is severely lacking 10%
  • Unsatisfied / website and/or apps are not fulfilling my needs 7%

How do you prefer to deal with insurer and policy?

  • In person 46%
  • Phone 27%
  • Email 12%
  • Interactive website 10%
  • Mobile App 5%

About Auto-Owners home Insurance

Auto-Owners was established in 1916 and headquartered in Lansing, Michigan. Today, it provides insurance to nearly 3 million policyholders and is one of the nation’s largest insurers. It’s “No Problem” claims service is Auto-Owners guarantee to customers that their claims needs will be taken care of.

Auto-Owners is made up of several groups:

  • Auto-Owners Insurance Company: a mutual insurance company with more than 6,300 agencies
  •  Owners Insurance company: their property and casualty group
  •  Property-Owners Insurance Company: property and casualty products in Georgia, Indiana and Michican
  • Auto-Owners Life Insurance Company: $42 billion of life insurance as of 2019
  • Home-Owners Insurance Company: property and casualty products in nine states
  • Southern-Owners Insurance Company: property and casualty products in Florida
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