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Auto-Owners Home Insurance Reviews and Ratings

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Auto-Owners Ratings
Overall Rating: 4.35
J.D. Power: 2.82
NAIC: 3.78
Average Premium: 2.94
Quadrant Insurance Alignment: 3.13
Multi-Policy Discount: 3.36
New-Home Discount: 4.44
AM Best Rating A++

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About Auto-Owners Home Insurance Company

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

Auto-Owners Home Insurance Coverages

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

Auto-Owners Home Insurance Discounts

  • 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

Auto-Owners Home Insurance Additional Coverage

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

In which states is Auto-Owners available?

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Michelle Megna


Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News.

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