Auto-Owners
Auto-Owners offers plenty of ways to customize your policy and save money on home insurance.- Large number of discounts.
- Has optional specialty coverage not offered by many other insurers.
- Very few consumer complaints.
- No online quotes or claims submission.
- Available in only half of U.S. states.
Consider Auto-Owners home insurance if…
You live in one of the states it serves and you’re looking to work with an agent to find the right coverage.
Why trust NerdWallet
Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you. See our criteria for evaluating homeowners insurance.
More than 270 million rates analyzed by our team of specialists.
More than 50 insurance companies analyzed in all 50 states and Washington D.C. (See our top picks.)
About Auto-Owners home insurance
Auto-Owners home insurance earned 5 out of 5 stars for overall performance.
Despite its name, Auto-Owners covers much more than cars. In fact, Auto-Owners home insurance is worth considering, thanks to a wide variety of coverage options and discounts. For example, its Homeowners Plus add-on includes coverage for appliance leaks that lead to property damage and wasted food in the event of a power failure.
Based on this star rating, Auto-Owners appears on NerdWallet's list of The Best Home Insurance Companies of 2025.
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Answer a few questions to see custom quotes and find the right policy for you.How Auto-Owners home insurance stacks up
Pros
- Large number of discounts.
- Has optional specialty coverage not offered by many other insurers.
- Very few consumer complaints.
Cons
- No online quotes or claims submission.
- Available in only half of U.S. states.
Where Auto-Owners home insurance stands out
Useful coverage options. Noteworthy endorsements include guaranteed replacement cost coverage for the structure of your home and inland flood coverage, ideal for those in low-risk areas who don’t want to buy a separate federal flood insurance policy.
Customer satisfaction. Auto-Owners draws far fewer consumer complaints than expected for a company of its size.
Where Auto-Owners home insurance falls short
Online access. With Auto-Owners, you’ll need to contact an agent to get a quote or report a claim. (Some insurance companies allow you to complete these tasks online.)
Availability. Auto-Owners sells policies in only half of U.S. states.
State availability
Auto-Owners home insurance is available in 25 states.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
- Find the best home insurance in your state
Standard 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:
Dwelling. Pays to repair or rebuild the structure of your home.
Other structures. Covers damage to unattached structures such as sheds or fences.
Personal property. Pays to repair or replace personal belongings such as furniture or clothing.
Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Personal liability. 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.
For more details, see What Does Homeowners Insurance Cover?
Optional Auto-Owners home insurance coverage
The Auto-Owners homeowners insurance policy has all the usual coverage, plus several options you can add to a standard policy:
Increased or 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 to repair or replace your personal items in situations your homeowners insurance doesn't normally cover, like misplacement or stains.
Ordinance or law to bring your home up to current building codes after a covered event.
Homeowners Plus, a package that pays for damage from appliance leaks and spoiled food after a power outage, among other issues.
Equipment breakdown for electrical or mechanical failure of appliances in your home, such as HVAC units or personal computers.
Identity theft expense for costs up to $15,000 related to restoring your identity after it's been stolen. Learn more about identity theft insurance.
Cyber protection for help recovering lost or corrupted data or otherwise responding to online attacks.
Appliance seepage and leakage to pay for water leakage from a household appliance or interior sprinkler system.
Service line for damage to water, electric or other utility lines.
Personal property replacement cost coverage to make sure your claim payout is enough to buy brand-new replacements for stolen or destroyed belongings. (A standard policy pays only the actual cash value of your items, which may not be much for older belongings that have lost value over the years.)
Inland flood coverage for homeowners in low- or moderate-risk flood zones. This coverage is more expansive than what’s offered by the National Flood Insurance Program. For example, it includes personal belongings in your basement and will pay for you to live elsewhere if a flood makes your home uninhabitable. Learn more about flood insurance.
Most homeowners insurance policies offer limited theft coverage for valuables such as jewelry. If you have an expensive engagement ring or a valuable collection, you may want to consider buying separate jewelry insurance.
What’s not covered
Like many insurance companies, Auto-Owners generally doesn’t cover the following types of damage with its homeowners policies:
Wear and tear.
Neglect or lack of maintenance.
Auto-Owners home insurance rates
Auto-Owners' average home insurance rate is $2,380 per year, according to a NerdWallet analysis. That's more than the national average of $2,110. When we examined individual states where Auto-Owners sells policies, the company’s rates were higher than average in a little over half of them.
Our sample rates are for 40-year-old homeowners with good credit, a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your own rates will be different.
Discounts
Auto-Owners offers many discounts. Depending on where you live, you may be able to save on your policy by:
Choosing paperless billing and online payments.
Not making any claims.
Paying your premiums on time for at least three years.
Requesting a quote before your policy expires.
Not having a mortgage on your home.
Having an automatic water shut-off system in case of leaks.
Bundling your home insurance policy with certain other Auto-Owners insurance products.
Paying your annual premium in full, upfront.
Installing safety equipment like deadbolt locks and smoke detectors.
Having a qualifying backup generator.
Taking steps to protect your home from wind damage.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Consumer complaints
Auto-Owners had far fewer than the expected number of complaints to state regulators relative to its size for home insurance, according to three years’ worth of data from the National Association of Insurance Commissioners.
Digital experience
Home insurance quotes aren't available through Auto-Owners' website. If you live in a state where Auto-Owners provides coverage, you’ll need to contact an agent to finalize the rate. However, you can use the Auto-Owners site to learn about coverage, pay bills, see policy information and track claims.
The Auto-Owners app is available on Android and iOS. You can use it to pay bills, track claims and view policy documents.
How to file a claim with Auto-Owners
To file a claim, you must contact your agent. Once the claim has been submitted, you can track it through the Auto-Owners website or mobile app. For advice, see how to file a home insurance claim.
How to contact Auto-Owners customer service
You can call Auto-Owners at 800-346-0346 from 8 a.m. to 4:30 p.m. ET Monday through Friday. You can also reach the company by filling out an online form.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as financial strength, consumer complaints, coverage, discounts and customer experience.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 50 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
What other types of insurance does Auto-Owners offer?
What other types of insurance does Auto-Owners offer?
Auto-Owners has a variety of insurance products, including auto insurance, renters insurance, and term and whole life insurance, among many others.
How do I get a quote for Auto-Owners home insurance?
How do I get a quote for Auto-Owners home insurance?
The only way you can get a quote for homeowners insurance with Auto-Owners is to contact one of its agents.
Does Auto-Owners insure mobile homes?
Does Auto-Owners insure mobile homes?
Yes, Auto-Owners offers coverage for mobile and manufactured homes. Read more about mobile home insurance.
Homeowners insurance star 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, coverage, discounts and online experience. 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.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer complaints (30%).
Financial strength (30%).
Coverage (20%).
Consumer experience (10%).
Discounts (10%).
Read our full ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each state by population. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. 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.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
