Auto-Owners Home Insurance Review 2022

Auto-Owners offers plenty of ways to customize your policy and save money on home insurance.
Apr 27, 2022

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Don't let the name fool you. Auto-Owners Insurance covers much more than cars. In fact, Auto-Owners home insurance is worth considering, thanks to a variety of coverage options.

The company offers many ways to save on your premium, with discounts for things like smoke detectors and a history of paying your premiums on time. The Homeowners Plus add-on includes coverage for appliance leaks that lead to property damage and wasted food in the event of a power failure.

Specialty coverage for high-value homes and equipment breakdown is also available.

How we rate homeowners insurance companies

Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating home insurance companies.

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Auto-Owners home insurance pros and cons

Pros

Cons

Large number of discounts.

Only available in about half of U.S. states.

Has optional specialty coverage not offered by many other insurers.

No online quotes or claims submission.

Few consumer complaints.

How Auto-Owners home insurance rates

4.0

NerdWallet rating 

Auto-Owners home insurance earned 4 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.

State availability

Auto-Owners home insurance is available in 26 states.

Auto-Owners home insurance coverage

You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:

Type of coverage

What it does

Pays to repair or rebuild the structure of your home.

Covers damage to unattached structures such as a shed or fence.

Pays to repair or replace personal belongings such as furniture or clothing.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Covers legal expenses and damages if you're responsible for injuries to other people or their property.

Medical payments

Covers injuries to guests in your home, regardless of fault.

The Auto-Owners homeowners insurance policy has all the usual coverage, plus several coverage options you can add on to your standard policy:

  • Guaranteed home replacement cost in case your dwelling coverage isn’t enough to repair or rebuild your home.

  • Water backup for damage caused by backed up sewers or drains.

  • Special personal property helps repair or replace your personal items in situations not normally covered by homeowners insurance, like misplacement or stains.

  • Ordinance or law pays when you spend more to bring your home up to current codes following a covered event.

  • Homeowners Plus is a coverage package that helps cover damage from appliance leaks and spoiled food after a power outage, among other things.

  • Equipment breakdown for electrical or mechanical failure of appliances in your home, such as HVAC units or even personal computers.

  • Identity theft expense for costs up to $15,000 related to restoring your identity after it has been stolen.

Auto-Owners home insurance rates

Auto-Owners' average home insurance rate is $2,989 per year, according to a NerdWallet analysis. That's significantly higher than the national average of $1,784.

Discounts

Auto-Owners offers many discounts, several of which can be obtained with little or, in some cases, no effort based on your previous insurance history. These include:

  • Green discount if you choose paperless billing and online payments.

  • Favorable loss history if you haven't made a large number of claims in the past.

  • Payment history if you’ve paid premiums on time over the past three years.

  • Advance quote if you request a quote before your policy expires.

  • Mortgage-free if you don’t have a mortgage on your home.

  • Water shut-off system if your water supply is automatically turned off for the entire home when a leak is found.

Discounts are also available for bundling your home insurance policy with certain Auto-Owners insurance products, paying your entire annual premium up front and installing protective devices like deadbolt locks and smoke detectors.

Consumer complaints

Auto-Owners had fewer than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)

Consumer experience

Website: It isn't possible to get a home insurance quote through Auto-Owners' website. If you live in a state where Auto-Owners provides coverage, you’ll be directed to contact one of its agents to finalize the rate. Similarly, you can only file claims by contacting an agent. However, once the claim has been filed you can track it online.

App: The Auto-Owners app is available on Android or iOS. It can be used to pay bills, track claims and view policy documents.

Homeowners insurance buying guide

You can get home insurance quotes online, over the phone or through an agent. But before you start, take the following steps:

  1. Determine how much coverage you need. Is a standard policy sufficient, or do you want to add extra insurance for situations like identity theft or sewer backups? Check whether each company you’re considering has the options you need.

  2. Take inventory. To ensure you have sufficient personal property coverage, take stock of your belongings. Include all furniture, electronic devices, clothing, jewelry and household items. How much would it cost you to replace them? This total is the minimum amount of personal property insurance you should have.

  3. Make a fair comparison. When evaluating rates, make sure each insurer is offering the same limits and deductibles.

  4. Check consumer complaints. Although it may seem tempting simply to choose the cheapest option, look at how many consumer complaints each insurer has before choosing a policy. Poor customer service could have a significant impact on your experience if you ever need to file a claim.

How to file a homeowners insurance claim

File as soon as it’s safe. The sooner you report a theft or damage to your home, the sooner your insurer can assign an adjuster and start working on paying out your claim. Some companies let you file claims online or through their app, while in other cases you may have to call your agent or insurer instead. Have your policy number handy.

Document the damage. Bolster your claim by taking photos or video of all damage. If something was stolen, report it to the police before you contact your insurance company. Your insurer may ask for a copy of their report.

Prevent further damage. After you’ve taken pictures of everything broken or destroyed, take steps to prevent additional damage. For example, you can put a tarp over a leaky roof or blown-out window. Keep receipts for any supplies you buy, as your insurer may reimburse you later.

For more information, see how to file a homeowners insurance claim.

Other home insurance companies to consider

Not ready to make a decision? You may be interested in these other homeowners insurance companies:

Frequently asked questions
What other types of insurance does Auto-Owners offer?

Auto-Owners has a wide variety of insurance products, including auto insurance, renters insurance, and term and whole life insurance, among many others.

How do I file a claim with Auto-Owners?

To file a claim, you must contact an independent agent. Once the claim has been filed, you can track it through the Auto-Owners website or mobile app.

How do I get a quote?

The only way you can get a quote for homeowners insurance with Auto-Owners is to contact one of its agents.

Methodology

Homeowners insurance ratings methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Homeowners insurance rates methodology

NerdWallet averaged rates for 40-year-old homeowners from a variety of insurance companies in every ZIP code across all 50 states and Washington, D.C. Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1997. They had a $1,000 deductible and the following coverage limits:

  • $300,000 in dwelling coverage.

  • $30,000 in other structures coverage.

  • $150,000 in personal property coverage.

  • $60,000 in loss of use coverage.

  • $300,000 in liability coverage.

  • $1,000 in medical payments coverage.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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