{"id":353239,"date":"2025-11-07T17:11:12","date_gmt":"2025-11-07T22:11:12","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=353239"},"modified":"2025-11-07T17:11:12","modified_gmt":"2025-11-07T22:11:12","slug":"auto-owners-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/auto-owners-review\/","title":{"rendered":"Auto-Owners Home Insurance Review"},"content":{"rendered":"\n<p>Since its establishment in 1916, Auto-Owners Insurance Group has continued to sell insurance exclusively through a network of local independent agents across 26 states. Recognized for top-tier financial strength by major rating agencies (including an AM Best A++ Financial Strength Rating), Auto-Owners remains a financially stable option serving millions of policyholders.<\/p>\n\n\n\n<p>Auto-Owners takes a self-proclaimed \u201cNo Problem\u201d attitude to claims. Industry benchmarks in 2024 show that claims satisfaction across insurers has been pressured by longer repair and settlement timelines, making proactive communication and clear expectations especially important. Although service is only available in 26 out of the 50 U.S. states, those with access to Auto-Owners policies can expect agent-driven support and a broad assortment of customization options.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Auto-Owners Home Insurance Overview&nbsp;<\/h2>\n\n\n\n<ul><li>In business since: 1916<\/li><li>AM Best Financial Strength Rating: A++ (Superior)<\/li><li>States served (availability): 26<\/li><\/ul>\n\n\n\n<p>Independent rating agencies consistently view Auto-Owners as financially strong, and major insurance sector outlooks for 2025 remain broadly stable across agencies. Popularity rankings such as <a href=\"https:\/\/today.yougov.com\/ratings\/finance\/popularity\/insurance-brands\/all\">the most popular insurance brands<\/a> are only one lens and may not fully reflect regional carriers. The <a href=\"https:\/\/www.bbb.org\/us\/mi\/lansing\/profile\/insurance-companies\/auto-owners-insurance-group-0372-22000661\">BBB gives Auto-Owners an A+ rating overall<\/a>, while customer reviews on BBB and other platforms vary, with many comments\u2014positive and negative\u2014centered on claims handling and timeliness.<br><\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td>Pros<\/td><td>Cons<\/td><\/tr><tr><td><ul style=\"text-align:left;\"><li>Excellent financial strength ratings from AM Best &#8211; In the event of a catastrophe, this company will be able to pay out claims.<\/li><li>A variety of coverage lines for bundling &#8211; You can save money by having multiple types of policies with Auto-Owners, like auto, pet, life or business insurance.<\/li><li>Unique optional coverages and discount offerings &#8211; Add-ons like breakdown coverage and discounts for backup generators are unusual in the industry.<\/li><\/ul><\/td><td><ul style=\"text-align:left;\"><li>Coverage not available in all states &#8211; Half of the states are not covered by Auto-Owners Home Insurance.<\/li><li>Claims experiences vary by situation and state &#8211; As with most insurers, some customers report challenges related to cycle times or settlement outcomes.<\/li><\/ul><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Auto-Owners Home Insurance Highlights<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Pricing&nbsp;<\/h3>\n\n\n\n<p>Since Auto-Owners only offers policies through its network of independent agents and brokerage partners, policy prices will vary by agency and location. <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/homeowners-insurance-cost\/\">The price of your policy<\/a> will also depend on your home\u2019s age, size, condition, and coverage options. Industrywide, homeowners rates rose in recent years amid higher catastrophe losses and rebuilding costs, though conditions started to stabilize heading into 2025.<\/p>\n\n\n\n<p>To minimize costs, policyholders can reduce coverage limits, cut policy add-ons, increase deductible amounts, or take advantage of the many Auto-Owners discount options. Find the best balance of cost vs coverage levels by talking with one of Auto-Owners many local agents. Mitigation upgrades (for example, qualifying water shutoff devices) and peril-specific deductibles are increasingly common ways to manage premiums; availability varies by state.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Customer experience&nbsp;<\/h3>\n\n\n\n<p>Recent J.D. Power studies in 2024 report that property claims satisfaction across the industry has been constrained by longer repair and settlement timelines, with communication quality a key differentiator. The National Association of Insurance Commissioners (NAIC) Complaint Index remains a useful benchmark for comparing carriers by state; review the latest index for the companies you\u2019re considering.<\/p>\n\n\n\n<p>Auto-Owners Insurance emphasizes a simple online claims process and a \u201cNo Problem\u201d approach when servicing claims. The insurer\u2019s stated priority is to pay everything owed on every claim as quickly as possible, pairing digital tools with hands-on agent support for more complex losses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Coverage<\/h3>\n\n\n\n<p>Auto-Owners home insurance policies offer a comprehensive suite of standard and optional coverages. A basic policy provides coverage for your home, additional structures on your property, your personal possessions, <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-personal-liability\/\">your liability to guests and others while on your property<\/a>, medical coverage for those who are injured while at your home, and additional living expenses if you incur a loss.<\/p>\n\n\n\n<p>Beyond the basic coverages, Auto-Owners also allows you to add optional coverage types at an additional cost:<\/p>\n\n\n\n<ul><li>Guaranteed Home Replacement \u2013 Give yourself peace of mind and ensure that the full replacement cost of your home will be covered at the time of a loss, even if your standard coverage limit is too low.<\/li><li>Water Backup of Sewers \u2013 Most policies won\u2019t cover any damages to your home if your drains back up into your home. With this optional coverage, you can choose from several limit levels to cover water damages in the event of a backup.<\/li><li>Special Personal Property \u2013 Many insurance providers have limits on the amount of personal property damages that can be claimed for high-value items, such as art, jewelry, or collectibles. Add this special coverage to increase your limits on named high-value items.<\/li><li>Ordinance or Law Coverage \u2013 When a claim occurs, sometimes recovery isn\u2019t as straightforward as making the necessary repairs. If local ordinances require you to make additional changes to non-damaged property to comply with building codes, this policy add-on has you covered.<\/li><li>Homeowners Plus \u2013 Build on your standard policy by adding a coverage \u201cplus\u201d package that protects against several common risks, including food spoilage from power failures and damage from appliance leaks.<\/li><li>Equipment Breakdown \u2013 Many homeowners purchase a home warranty plan to cover major appliances and home systems, such as HVAC units. With Auto-Owners Equipment Breakdown coverage, you can get coverage comparable to a home warranty added into a single homeowners insurance policy.<\/li><li>Identity Theft Expense \u2013 Identity theft is a common risk for adults, and repairing your identity if it is stolen is a time-consuming and costly process. Auto-Owners\u2019 identity theft coverage provides expense reimbursement that commonly extends up to $25,000; limits and availability vary by state and policy.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Deals, discounts, and add-ons&nbsp;<\/h3>\n\n\n\n<p>Auto-Owners offers a variety of ways to save on your home insurance policy every month. In addition to traditional discounts for bundling multiple coverage lines or prepaying your annual policy, Auto-Owners offers several unique ways to save money that aren\u2019t available through other providers. Discounts are available for traditional safety features, such as smoke detectors and alarm systems, but Auto-Owners also offers discounts for non-traditional safety features, such as whole-home water shut off valves and automatic backup generators. Auto-Owners also offers discounts for responsible policy management, such as using paperless billing, paying on-time premiums, or owning your home mortgage-free. You can find more ways to save on our <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/lower-home-insurance-premium\/\">guide to lower your home insurance premium<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Competition<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong><em>Providers<\/em><\/strong><\/td><td><strong><em>Reviews.com Score<\/em><\/strong><\/td><td><strong><em>AM Best<\/em><\/strong><\/td><td><strong><em>J.D Power<\/em><\/strong><\/td><\/tr><tr><td><strong><em>Auto-Owners<\/em><\/strong><\/td><td><em>4<\/em><\/td><td><em>A++<\/em><\/td><td><em>826<\/em><\/td><\/tr><tr><td><strong><em>Amica<\/em><\/strong><\/td><td><em>4.25<\/em><\/td><td><em>A+<\/em><\/td><td><em>845<\/em><\/td><\/tr><tr><td><strong><em>Allstate<\/em><\/strong><\/td><td><em>4<\/em><\/td><td><em>A+<\/em><\/td><td><em>814<\/em><\/td><\/tr><tr><td><strong><em>USAA<\/em><\/strong><\/td><td><em>4<\/em><\/td><td><em>A++<\/em><\/td><td><em>878<\/em><\/td><\/tr><tr><td><strong><em>State Farm<\/em><\/strong><\/td><td><em>3.75<\/em><\/td><td><em>A++<\/em><\/td><td><em>831<\/em><\/td><\/tr><tr><td><strong><em>Progressive<\/em><\/strong><\/td><td><em>3.75<\/em><\/td><td><em>A+<\/em><\/td><td><em>809<\/em><\/td><\/tr><tr><td><strong><em>Liberty Mutual<\/em><\/strong><\/td><td><em>3.25<\/em><\/td><td><em>A<\/em><\/td><td><em>792<\/em><\/td><\/tr><tr><td><strong><em>Farmers<\/em><\/strong><\/td><td><em>3.5<\/em><\/td><td><em>A<\/em><\/td><td><em>808<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Key financial strength and satisfaction context have been refreshed using current industry sources; verify the latest AM Best ratings and 2024 J.D. Power study results for your region.<\/em><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Bottom Line&nbsp;<\/h2>\n\n\n\n<p>With its strong financial strength ratings and variety of customization options, Auto-Owners can provide robust coverage, including for higher-value homes. While individual experiences vary and claims satisfaction industrywide has faced headwinds, regulator complaint data and third-party benchmarks can help you compare carriers. If you\u2019re in one of the 26 states where Auto-Owners policies are available, it&#8217;s worth exploring your home insurance options with a local independent agent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Auto-Owners Home Insurance FAQ&nbsp;<\/h2>\n\n\n<div id=\"block_5f57c0b4ffcbf\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What other property insurance does Auto-Owners Home Insurance offer?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Auto-Owners Insurance offers a variety of home, auto, life, and business insurance products. Through its home insurance division, Auto-Owners provides coverage for owners, renters, mobile homes, personal property, farms, pets, and flood insurance (availability varies by state). Through its auto division, the company provides coverage for cars, motorcycles, RVs, ATVs, boats, and trailers. For individuals with multiple insurance needs, Auto-Owners provides bundling options that can combine multiple coverages at a monthly discount.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f57c127ffcc0\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much home insurance do I need?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>How much home insurance you\u2019ll need depends on the current replacement cost of your home and personal belongings. To assess your coverage levels, estimate how much it would cost to completely rebuild your home if it was destroyed. Then put together a <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-to-perform-home-inventory\/>home inventory<\/a> to estimate the cost of replacing all your personal property, including clothes, furniture, and electronics. Your <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/faq\/\">homeowners insurance<\/a> should provide enough coverage to replace everything in the event of a covered loss.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f57c138ffcc1\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Where is Auto-Owners Home Insurance coverage available?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Auto-Owners home insurance is available in 26 states: Alabama, Arizona, Arkansas, 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, and Wisconsin.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f57c148ffcc2\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How does Auto-Owners Home Insurance underwrite their home insurance policies?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>All Auto-Owners policies, including home insurance policies, are underwritten directly in-house.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Since its establishment in 1916, Auto-Owners Insurance Group has continued to sell insurance exclusively through a network of local independent agents across 26 states. Recognized for top-tier financial strength by major rating agencies (including an AM Best A++ Financial Strength Rating), Auto-Owners remains a financially stable option serving millions of policyholders. Auto-Owners takes a self-proclaimed [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":353242,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-reviews.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Auto-Owners Home Insurance Review | Reviews.com<\/title>\n<meta name=\"description\" content=\"With its strong financial strength ratings and variety of customization options, Auto-Owners can provide the coverage you need for even the largest homes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/auto-owners-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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