Auto-Owners
- Large number of discounts.
- Has optional specialty coverage not offered by many other insurers.
- Very low rate of consumer complaints.
- No online quotes or claims submission.
- Available in only half of U.S. states.
About Auto-Owners home insurance
Auto-Owners home insurance earned 4.4 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.
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Answer a few questions to see custom quotes and find the right policy for you.Where Auto-Owners home insurance stands out
Large number of discounts. Auto-Owners offers many ways to save money on your homeowners insurance.
Unique coverage options. Not all insurers offer guaranteed replacement cost coverage for the structure of your home, which will pay whatever it takes to rebuild after a disaster. Auto-Owners also offers 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.
What Auto-Owners home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
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 policy wouldn’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 coverage for costs up to $15,000 related to restoring your identity after it's been stolen.
Cyber protection for help recovering lost or corrupted data or otherwise responding to online attacks.
Appliance seepage and leakage to pay for water damage from a leaking appliance or interior sprinkler system.
Service line for damage to water, electric or other underground 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 their actual cash value, which may not be much for older belongings that have lost value over time.)
Inland flood coverage for homeowners in low- or moderate-risk flood zones. This coverage is broader than what’s offered by the National Flood Insurance Program. For example, it covers personal belongings in your basement. It will also 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.
Where Auto-Owners home insurance is available
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
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 home insurance with other Auto-Owners policies.
Paying your annual premium in full, upfront.
Installing safety equipment like deadbolt locks and smoke detectors.
Having a qualifying backup generator.
Protecting your home from wind damage.
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Answer a few questions to see custom quotes and find the right policy for you.Consumer satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Auto-Owners scores highly on this measure, drawing a very low proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
Third-party ratings: Auto-Owners was rated above average in J.D. Power’s 2025 U.S. Property Claims Satisfaction Study. However, it came in slightly below average for customer satisfaction in J.D. Power’s 2024 U.S. Home Insurance Study.
How to file a claim with Auto-Owners
To file a claim, you must contact your agent or call the company’s after-hours claims line. Once you’ve submitted the claim, you can track its status through the Auto-Owners website or mobile app.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
How to contact Auto-Owners customer service
Phone: You can call Auto-Owners at 800-346-0346 from 8 a.m. to 4:30 p.m. ET Monday through Friday.
Email: The company offers an email form you can submit on its main contact page.
Online tools
Website: You can’t get a quote or file a claim through Auto-Owners' website. However, you can use it to learn about coverage, pay bills, see policy information and track claims.
Mobile app: The Auto-Owners app is available on Android and iOS. You can use it to pay bills, track claims and view policy documents.
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 consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 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.
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 to 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.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Property Claims Satisfaction Study. Accessed Sep 8, 2025.
- 2.J.D. Power. 2024 U.S. Home Insurance Study. Accessed Sep 8, 2025.
Star rating 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, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. 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.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with 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.
