Auto-Owners Homeowners Insurance

Auto-Owners homeowners insurance

 3.7/5 (43 reviews)

Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.

Overall Rating3.7 out of 5
See all 43 reviews

About Auto-Owners homeowners insurance

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Auto-Owners offers home insurance in 26 states across the country. Its policies are customizable, and it provides specialty coverage for high-value homes. While the company doesn’t have online quotes, you can get an estimate by visiting one of its independent agents. Auto-Owners offers multipolicy discounts and add-on coverage.

Pros & Cons


  • Multipolicy discounts
  • Custom policies
  • Specialty coverage


  • No online quotes
  • Limited availability

Bottom Line

Auto-Owners offers affordable, comprehensive homeowners insurance in 26 states. It provides policies and quotes exclusively through independent agents. It has multipolicy discounts and specialty and add-on coverages.

Top Auto-Owners Homeowners Insurance Reviews


I have had this insurance for many years. Fortunately I have not had to file a claim. The low cost is why I decided to go with this company. The coverage is stated in the policy i...

Read full review

I priced around for insurance and Auto-Owners had the cheapest rate for what I needed. Though I have not been with them long, I am very pleased with them and would highly recommen...

Read full review

What is Auto-Owners home insurance?

Auto-Owners is an insurance company that provides home, auto, life and business coverage. Its home policy options include homeowners, renters, condo, mobile home and farm protection. Independent agents across 26 states offer these policies, and you can use Auto-Owners’ online search to find an agent near you. These agents also handle all claims, and the company has more than 100 claims offices throughout the country.

What does Auto-Owners home insurance cover?

You can customize your Auto-Owners policy to include coverage for dwellings, other structures, personal property, medical payments, personal liability, pets, flooding, valuable property, umbrella insurance and additional living expenses in the event you lose use of your home. You can also add equipment breakdown protection, coverage for high-end homes, guaranteed home replacement, ordinance coverage, identity theft protection and specialty personal coverage.

Auto-Owners home insurance quotes and rates

Auto-Owners’ home insurance quotes are free through its independent agents. The company offers a variety of discounts, including multipolicy, pay in full, good payment history, paperless billing, protective devices, water shut-off systems, early quote, backup generator, mortgage-free, favorable loss history and high deductible savings. Your agent can help find discounts you qualify for and adjust your coverage levels so your premium meets your budget.

Any optional coverage or policy add-ons increase the cost of your annual premium. You can pay your bills online, through your agent or from an escrow account.

Auto-Owners home insurance FAQ

Does Auto-Owners offer more than car insurance?

Yes, Auto-Owners offers life, business and fully customizable homeowners insurance policies (including for high-value homes).

Where is Auto-Owners home insurance available?

Auto-Owners policies are available through independent agents in 26 states; find an agent near you using Auto-Owners’ online agent finder.

Does Auto-Owners cover old homes?

Yes, Auto-Owners covers older homes. You can discuss coverage options with your local agent for more information related to your specific situation.

Does Auto-Owners home insurance cover A/C units?

Yes — you can purchase additional coverage for residential equipment breakdowns, which cover electrical and mechanical failures of air conditioners and furnaces.

Is Auto-Owners home insurance worth it?

Auto-Owners provides customizable home insurance policies for single-family, condo and mobile homes and more. Its coverage is available exclusively through independent agents in 26 states, so you can get a custom policy through a local agent only if you’re in its service area (use the website’s agent finder to find agents near you). If so, Auto-Owners home insurance is probably worth it for its customizable policies and multipolicy discounts.

Auto-Owners Homeowners Insurance Reviews

  • Recent
  • Oldest
  • Most helpful
  • Any

A link has directed you to this review. Its location on this page may change next time you visit.

How do I know I can trust these reviews about Auto-Owners homeowners insurance?
  • 4,246,216 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.
Page 1 Reviews 0 - 10
Verified Reviewer
Original review: Dec. 23, 2022

Had a property damage claim, told the adjuster I was getting a general contractor, sent him the estimate, after work is completed, he doesn't want to pay the full amount.. (After work is done, is not the time to negotiate invoice.) Now I have to get a lawyer. Had them for over 20 yrs. Huge disappointment.

5 people found this review helpful
Verified Reviewer
Original review: June 26, 2021

GEICO is not specialized in Home Insurance policy. It is Primarily a Car Insurance Company. Although I am partially satisfied with my current home insurance with them, which will expire in about 1.5 month, near the end of August 2021. I will be looking for home insurance from other company (ies), who are more specialized in home insurance for their customers.

Be the first one to find this review helpful

Not sure how to choose?

Get buying tips about Homeowners Insurance delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Verified Reviewer
    Original review: Nov. 7, 2020

    Very disappointing and rude service thus far after filing claim for electrical and storm damage in Tallapoosa GA area. The adjuster would not set up times to discuss claim. Had to keep calling and emailing. Very rude and condescending and kept stating he did not receive or understand damages submitted. Desperate attempts to intimidate a customer and in opinion because have been dealing with a female. Have to keep re sending information. In opinion use techniques to delay, underestimate, under value, and deny claims or have complete incompetence and total lack of customer service skills.

    Unfortunately their local agent defended their behavior, disrespect, mistreatment, and lack of accountability to a long time customer and senior citizen in claim on the account. It is a disgrace that a business operates in such a manner. To date there is no resolution and no reimbursement. Fortunately, there was savings to cover what the insurance policy/contact should have. Buyer beware as what happens to people totally depending on their hard earned policy premiums paid for years to be in vain not to mention the disrespectful, rude, hateful, gaslighting behavior received. One would think we owed them money instead of auto owners owing us and honoring a contract.

    11 people found this review helpful
    Verified Reviewer
    Original review: July 20, 2020

    The advice I would give to any homeowner, would be to AVOID Auto Owners Insurance. Consumer Affairs has them rated with 1.8 stars. Before considering this company, take the time to go read reviews by actual customers with real experiences dealing with Auto Owners. The negative far outweighs the positive. Pay a few extra bucks, do the research and choose a different insurance carrier. Auto Owners insured my house in 2019. One night after we had left the property, a fire started. I was called and told about it by a neighbor, and was able to get to the property that night while the crews were still there. I called Auto Owners and filed my claim, and from day one, it has been a nightmare.

    Here we are more than 8 months later, with nothing resolved other than asking for more documents each time. From the very beginning they have tried to tell me that my kids must have snuck off and smoked ** and lit it on fire, or my kid lit incense on the stair case and set it on fire and when I disagreed with all of that, saying my kids would not do that, Doug ** with Auto Owners said “I think you lit your house on fire”.

    But mostly, they have simply ignored me. I finally hired an attorney. When he contacted them, they chose that moment to demand every financial record I had ever possessed going back years. So we spent hours finding and copying everything, and sent it to them. Then they accused me of arson. So they are clearly not working for the customer. They push and try to intimidate to get you to back off on your claim. So here I sit, 5 months later. The house had to be secured because it has been broken into and items were stolen. I get reports from neighbors that people are STILL coming to the house and taking things. When I asked Auto Owners about it, they said that would be another claim, with another deductible – even though the fire is what opened the house up to the break ins and theft to begin with! If you are with Auto-Owners, I recommend dropping them BEFORE something happens to you, and you need insurance you can count on.

    8 people found this review helpful
    Verified Reviewer
    Original review: June 10, 2020

    I shopped my insurance this year to see if I could save some money. I have a great independent agent and they came up with Auto Owners for home and cars. We had a series of hail storms in Northwest Arkansas in April and many homes were damaged. The hail was very large, and lots of it. It accumulated about 2 inches on our deck. As I saw roofs being repaired, I contacted our agent and said I wanted to get ours checked, she started a claim process that day. I asked a couple of the roof repair companies to look at my roof. I was told definitely there was damage. Auto Owners sent out their guy to assess our roof and he told me that he saw damage, but wasn’t sure if it would warrant a new roof and that I should get another company to come out and look at it. He recommended two companies that he would call that were good.

    I called one of them and they came out and also found damage and told me”this should be replaced”. I forwarded the information to the insurance company and left messages for the guy that came out, but no response. I finally got a hold of someone and they looked at the file and it showed “no damage” but after hearing my story they decided to send out a “independent Contractor“ roofing engineer. He came out over a week ago and looked at my roof. I asked him what he found but he said “I would have to wait until he filed his report “. I still haven’t heard anything!

    I’m not looking to get a free roof. I just get a little nervous when we are the only house on our side of the street that was able to avoid any hail damage. We are the third house on our street and the first two and the next four houses have all had their roofs checked, replaced and are done. It’s not worth saving a few bucks if the insurance you get doesn’t cover you. The old saying You get What pay for, seems very true in this case. Buyer Beware!

    22 people found this review helpful
    Verified Reviewer
    Original review: June 9, 2020

    My dad and I owned a home in NC. The area gets hurricanes and stretches of rain during the summer months. I'd pick Auto Owners because it was local. I didn't know that to avoid helping insurers pay for weather damage, Auto Owners uses a Wind damage clause. Which essentially says that although your home has damage from a hurricane, we will factor in Wind damage to reduce any payout for the hurricane damage. So despite the hurricane, the Wind may have blown off the shingles, and we do not cover Wind damage.

    20 people found this review helpful
    Verified Reviewer
    Original review: April 21, 2020

    Terrible company to work with. I'm told from our agent that at one time they were decent, but has changed over the last few years. Take a look at other reviews (after 2016) and you'll see. This company will take ANY opportunity to deny a homeowner claim, and especially anything to do with water damage. We had a water heater go out after only 6 years, but because the wood underneath its platform was darkened (presumably from a previous owners water heaters mishap), Auto Owners decided the damaged must have been on-going and denied the claim.

    First off - it was only the surface of the wood platform, and all of the supporting structure and studs were obvious virgin wood, with no damage, mold, dry rot, or anything. Wood looked practically brand new. When I pointed this out to the 20 year old adjuster she didn't care (and even had the in-depth contractors knowledge to explain to me how if dry wall is damped and allow to dry out, it becomes stronger). But, because the wood directly underneath the heater was discolored, the claim was denied.

    2nd off - the hot water is located right next to the garage door - we have to look at it every day, and noticed the leak the morning after it started - no long term damage occurring here. We even had the adjuster (who arrived 5 days later, btw) indicate before even looking at the damage that they would most likely be denying or reducing the claim.

    We've been relatively ok with the auto insurance, but am not so sure that if a claim is ever filed these guys will actually honor the claim. Well We've been donating to the Auto Owners Insurance charity for years now, but we'll be switching companies as soon as freaking possible! Stay away if you want to purchase a policy for security rather than just making a donation to this company!!!

    21 people found this review helpful
    profile pic of the author
    Verified Reviewer
    Original review: Feb. 12, 2020

    I felt compelled to write a review as I noticed their fairly low rating on here. This is obviously due to people not understanding their coverage. We were victims of a nasty hail storm where we lost 18 windows, 3 sides of siding, and the entire roof. Auto Owners was extremely easy to work with and did not fight our contractor's invoice whatsoever. At the same time our neighbors (with similar home values) were offered HALF of what Auto Owners offered. Half is a big number when most of the exterior of the house needed to be replaced. Pay a few extra bucks and let Auto Owners insure everything that is important to you!

    29 people found this review helpful
    Verified Reviewer
    Original review: Jan. 1, 2020

    We have paid Auto-Owners Home Insurance ON TIME every time for decades, 10's of thousands of dollars. Yet the FIRST time we have an accident claim they do not investigate the claim promptly nor repair the water damage to my upstairs Bathroom. Even after I showed proof that I have Asthma and severe allergies to dust and pollen and gave them a recorded statement of the accident they are refusing to supply the coverage that we paid for and that is clearly written as covered in our policy. I attempted to contact the home office several times over the month long torture they put me through yet they kept sending me back to these two who had gone on vacation without first providing our coverage of Additional Living Expenses to which we have paid for and are entitled to.

    My lawyer, contractor and 3 MD's agree I need to vacate this abode as soon as possible because it is life threatening, I have provided them with this information yet both Luke ** and his manager Michael ** are continuously playing games asking ridiculous questions attempting to stall presumably to take advantage of my illness in an effort to get me to give up. Even going so far as to question why I live in Florida if I have health problems! This has caused me severe trauma and undo stress not only upon me but my Elderly parents.

    While this all may be fun and games to them, I have serious lung problems well documented and they are forcing me to habituate an abode that has undergone demolition breaching it to the outside and releasing harmful drywall dust into my asthmatic lungs along with all the pollen and humidity that exacerbate my conditions even further. They came in, saw I was on a nebulizer, looked at my demolished bathroom and left for vacation without saying a word. I had to go to the ER again this past weekend with breathing problems from the moisture and dust that Michael ** claims is "habitable". I suppose Mars is "habitable" as well for a few brief moments until you burn up or shrivel up from the harmful environment.

    The pain and suffering this company has caused upon me and my family is incalculable. I now have FURTHER proof of critical blood tests and permanent lung scaring that they are causing as well as extreme stress and hardship yet they will not even provide the most basic human right, that is to live and breathe in a safe environment that we paid for over decades of on time payments.

    9 people found this review helpful
    profile pic of the author
    Verified Reviewer
    Original review: Feb. 3, 2019

    I reported water damage throughout my house, to all of the floors, to Auto Owners, 5/31/18. My home is a manufactured home, and the damage was caused by the washing machine. I reported this to Auto Owners, 5/31/18. My agent wrote that it was caused by flooding in the crawl space. (There was massive flooding throughout Michigan at that time.) Even though I told my agent that the damage was caused by the washing machine 5/31/18, and verified by 2 people, he never corrected his mistake for the adjuster to see.

    The adjuster then came out and evaluated only several rooms, and sent a check for partial floor replacement for a few rooms. (north half) This covered water damage caused by the washing machine. The adjuster disregarded multiple statements from plumbers, Serve Pro, and 2 contractors, stating that damage to all floors was caused by the washing machine and water trapped in the underbelly by the washing machine- because the adjuster failed to have the water damaged areas dried out.

    After I finally received estimates from 2 licensed contractors, the adjuster brought in an engineer, with no plumbing experience, 9/14/18, to determine the cause of water damage. He determined that the damage occurring on North half of the house was caused by the washing machine. He then determined that the damage to the South half the house was caused by 3 tears in the underbelly, all close to the washing machine,(north half). He said the moisture in the crawl space traveled up to the floors, through these tears, (north half) causing damage to the other floors, (south half.) Locations were photographed and identified by him.

    I filed a complaint with the BBB, and the adjuster disregarded by complaints and questions. She lied about everything. I filed a complaint to the DIFS, Michigan, and the adjuster lied again to DIFS. She said I reported some of the water damage on 5/31/18, and then called her again, 6/18/18 to report more water damage, leading her to call in the engineer. So deceptive! Everything she said on her response was deceptive. I hope anyone reading this will call a public adjuster. Even though you have to pay 10% of the claim to the public adjuster, it is better than dealing with a deceptive adjuster. I had no idea a representative of Auto Owners would ever be so conniving. My family and I have been with this company for over 50 years, and I trusted my agent.--huge mistake.

    2 people found this review helpful
    Loading more reviews...

    Auto-Owners Homeowners Insurance Company Information

    Company Name:
    Auto-Owners homeowners insurance
    Year Founded:
    6101 Anacapri Blvd.
    Postal Code:
    United States