Auto-Owners Insurance Reviews

This company would rather higher an attorney than settle with their customers for an amount less than $1000 dollars. That is an intelligent business decision lol !! That is probably one of the reasons their premiums are so high.

Why do my rates keep going up with no accidents or tickets? I just don't get it and don't accept the claim that "Our costs keep going up and are allowed a price increase." Well.... IF that's the fact, then charge THOSE People for their mistakes and not me.

An adjuster told myself and my client that he had 48 hours to accept his partial claim or he would close his claim. Mr. ** the adjuster then also called the next morning and stated the same thing. We then called the supervisor and emailed 3 times and his response was that we misunderstood and now they are sending an engineer out to deny it. We only asked that they put their findings in writing so we could get a warranty claim. A very dishonest and unethical Bunch of people. All we needed was for their expert to put finding in writing. I can not explain the distress my home owner is feeling and I can not blame him. Who else has been duped by Auto Owners for a storm claim?

I would give them ZERO stars if I could. I was rear ended at a stop light while I was in Florida. I was injured and six months after fail physical therapy I was diagnosed with a broken back. The insurance adjuster was extremely rude to me and put my claim in investigative review right away. They sued me stating I lied about my injury. I had all of the documentation and I followed my doctor’s instructions. Last week was trial and Auto Owners lost their case against me. The doctors they had review me were so biased and untrustworthy in their testimony. Their lies were found out, but I will never give Auto Owners a dime again. Run as fast as you can away from them.

Over the last 15 or more years, I have watched this company go from one of the best insurance companies to, in my opinion, the worst. The premium rates that I get from other insurance companies are about half of what Auto-Owners is trying to charge. Customer service is the absolute worst. They don't follow up on claims or anything else. It's almost impossible to get anyone to respond to a phone call, text or email. I am currently in the process of dropping all 5 of the insurance policies that I have with them.

I am extremely disappointed with the way this claim has been handled by the claim specialist, Jen **. She was rude, unwilling to listen, and very difficult to communicate with throughout the process. Experiences like this can truly damage a company’s reputation. A claims department should be staffed with professionals who know how to treat clients with respect, empathy, and professionalism — especially during stressful situations involving claims. It is frustrating to pay monthly premiums expecting support when needed, only to feel dismissed when it is time for the company to step up. Based on my experience, I hope the company seriously evaluates the quality of customer service they are providing and the people representing them. I would strongly encourage others to do their research carefully before working with this company.

I believed I was covered when my roof started leaking into my bedroom. I filed a claim, and the adjuster came out to inspect the property for any wind and hail damage. He got on the roof and walked around, but told me he saw no issues, except for some hail damage that likely occurred before I had coverage. He also mentioned that he didn’t see any hail damage on my driveway lights, as hail typically removes the paint from surfaces it hits. I expressed my frustration, questioning why anyone would carry insurance and pay high premiums if they could never file a successful claim. He responded by asking if my house was paid off and suggested I be like his brother-in-law and not carry insurance at all. I felt as though he was definitely hired by the company to find reasons to deny claims. My advice to others is to stay away from this company.

We have been insured with this company since the existence of our organization. We had damage due to weather which we had no control over. At no point were we advised that only portions were covered which is not good for anyone. How can a company that has insured your organization for 30 years NOT tell you or advise you on what needs to be insured. This has caused the organization a financial hardship.

Company will hit you with fraudulent charges after you have already canceled the service. Turn you into collections for the fraudulent charge. You didn’t pay after your insurance agent already told them it was canceled before that bill was issued.

Josh at Auto Owners in MN went to bat for me and was able to help get my claim resolved when I had the unfortunate occurrence of a bad hail storm, combined with contractor availability/reliability issues caused my claim to expire before I could get the work done to repair all the siding. I was unable to afford the repair myself, and it was going to cause more damage to my house by not completing the repair another year. I didn't know what to do, to be honest I was in a desperate situation. He was compassionate and actually cares, I've been with auto-owners a long time and only have good things to say about them. When I needed them most, they were there. Ive dealt with a lot of insurance companies over the years and most would not have even considered this. Thanks Josh, God bless you brother!

My 90 year old Mother is the customer. She was parked in a handicap spot at the local grocery store. She had pulled through so that her vehicle was facing out to the aisle for easy exit. Her vehicle was hit in the front corner while she was in the store. My sister was with her at the time and was witness to the new damage. Mom mo filed a claim and it was denied. The investigator determined that my mom and sister were both lying and she caused the accident. My mom does not lie or cause an accident. Terrible company. Avoid them at all costs

Auto owners has been great they take my money monthly with no issue, I purchased extra coverage to ensure I will be covered if I have an issue BUT what do you know I have an issue and my adjuster say not covered and was not very nice. WELL my Extra coverage say it is! Spoke to the adjuster who said I don't see that policy will you e-mail it to me? WHAT? Agent is unable to even talk about what my policy interpretation is totally clueless. I have been transferred, left messages, filed complaints and no one has gotten back to me! Wonderful until you need them to protect your largest investment! I guess 5 O'clock News will be my next stop!

I paid for roadside assistance with my auto policy. I used it for the first time yesterday. I had a flat on my travel trailer that I wanted help with, I'm 68 and my wife is 71 and we are traveling in Texas. After calling and requesting service the AI started texting us every half hour and assuring us they were doing everything in their power to give us the assistance we paid for. This went on for around 12 hours so we called again and waited until they gave us a person to talk to. They profusely apologize for the delay and told us they would continue to try and find a provider in our area. Then we were back to an AI text every half hour.

Auto-Owners is great until you make a claim. They come in with low rates with supposedly great coverage and they love when you pay your bill. But if you make a claim they are very dismissive and don't even send their own adjusters to look at damage. I had to appeal original decision which took a lot of work to get to that point then they sent out another 3rd party to do their work. I could not be more disappointed in a company that I paid a lot of money to only to discover they would not hold up their end of the bargain. Just to add to the info I have been with them for 7 years and this was my first claim and it will be my last interaction with them as I begin looking for a new company.

Had a claim and my furnace was replaced as the old furnace was dangerously. DTE red-tagged it. Insurance claim was $3750.00. Having a hard time getting my money as they delegate the claim to One, Inc. I have had trouble getting my money as I have had trouble filling out the online computer form.

On March 26, 2024 my perfect condition 2016 Corvette got hit in a parking lot while it was legally parked in a designated parking spot by an 85 year old woman that is danger to society. While driving she hit my car in its parking spot, doing significant damage and moving it over a foot away. She drove away, fleeing the scene but a bystander saw the whole incident and left me a note with her license plate.

House coverage choices are good and unique but every year Auto-Owners is decreasing multiple significant coverages using amendments/addendums while increasing the annual premium significantly. Decreasing coverage while raising premiums. This year, one of the amendments states Auto-owners raised my deductible but doesn't not state anywhere what the new deductible is! I called Auto-owners and she cautioned me....I could talk to an underwriter but....it might not be right, something to that effect, should talk to agent!!!! WHY is it so hard to get what should be a straightforward answer. All the while, raised my premium again.

Got a damaged roof. Hail damage. They said damaged but not bad enough. Nice guy but not real bright. Love my agent but not real happy right now. 14 year old roof. Looks 25 years old. Been with them for years.

My home burned to the ground in August of 2023. I had been with Auto-owners for my home insurance needs for about five years at the time of the fire. My autos had been with them longer. Lightning struck my home while we were away for the day. I could never put into words the devastation of getting a call that your home is ashes. Then arriving and realizing the only thing you own is the vehicle you are in and the clothes on your back, after years of hard work to provide a life for your family. Brad called the next morning and told me he was going to take care of my family. He stated that he wanted to wire me some money from my policy to help me get a place to sleep and essentials and would see me the following day. He arrived the next day, I cannot say enough about how empathetic, courteous, caring, easy to work with and prompt he was. I dealt exclusively with the large loss team and the whole team treated me with the utmost respect and care.

This insurance company is awful! We only had it for a year. We had a home insurance policy and our son had a car insurance with them. Their website will note that auto pay is on and you are paid in full. However, in both cases they did not pull a premium and we received a notice that our insurance would be canceled. The customer service people in billing refuse to note that they interface with their customers on their website is insufficient. They were also unwilling to accept that their website is garbage. Thank heaven I never had to file a claim with them! I can only imagine the issues that would have surfaced. Avoid this company.

Updated on 10/30/2025: This is crap insurance!!! They may start off with lower premiums but they end up increasing it at renewal time. My car insurance increased by 40% at renewal time so I ended up switching to another company. I still have my homeowner’s insurance through Auto-Owners. In the 3 yrs. that I have been a customer, I filed 1 claim for hail damage to my roof. The claims adjuster returned my telephone calls 10% of the time. I was passed around to different adjusters. My claim was ultimately denied. Customer service constantly told me my claim was closed and that there was nothing else to do on the claim which I later learned was incorrect. That prompted me to file an appeal.

Find your own towing service company and submit the invoice to your Auto-Owners insurance agent for reimbursement. Auto-Owners has scheduled five or six tow trucks to come and pick up my car. Two arrived without the proper equipment. One of the two did not speak any English. The dispatch person says they cannot see the notes about the need for a wheel lift and skates since the car will not shift into neutral. This is highly suspicious since I wrote it into the app provided by Auto-Owners… One of the reps on the phone said they have no control over the towing service companies. I reminded them that the towing service companies are agents of the Auto-Owners Insurance Company.

Scam. They refunded about $1500 and said no actions is required. After that, they charged us $320 and $1500 because we did nothing for their mistake. We called them and tried solve the problem and still did this. What a scam!!!

This insurance company is trash. Joe ** recommend Rainbow International after the house fire. Been going on for 4 years. Dealing with Eric **. Do not do business with these crooks! $62K. WHO is about to light them up. I can’t wait to see how it turns out. I didn’t ask for a house fire. Worst experience of my life. I paid all of my premiums on time, every month. Fry them!!!

My experience with Auto Owners has been extremely poor. The response time is sluggish at best. I'm over a year out on a claim that they've pretty much stopped responding to me on. I've asked to talk to supervisors. They will not give me one. They also refused to answer questions. Highly would not recommend if you ever need your insurance.

Just stay away from this company. When my parents passed away they had this insurance for years. I kept it because I thought it was the right thing to do. At first they were really good and then they just kept getting worse and worse. When I had some claims they didn't really want to pay out even though we'd had this insurance for years. I'm not talking like 3 years, I'm talking like 10 plus.

In July 22-2025. My husband and I had and accident, the driver trying to cross the lane hit my vehicle, the driver hit-and-run, (illegal act) the driver is insured by Auto Owners insurance (Lakeland, Florida). August 4 I spoke with the claim representative, I sent the pictures, license plate number, the driver trying to cover his face, etc. And 4 days later, the Auto Owners insurance sent the notice LIABILITY DENIAL!!! Information: this Company has 246 Complaints in 3 years. STAY AWAY FROM THIS COMPANY!!!!

I've been with Auto-Owners Insurance for many years. I had an extensive claim recently and the overseer of my claim was named Aaron ** out of the Charlotte North Carolina branch. He was informative, helpful and had a great customer service attitude. He went above and beyond to make sure that I felt comfortable with everything that was happening and that I was well informed. Because of the experience that I had with Mr ** I would definitely use owners again.

I filed a claim on or around July 22, 2025. I was assigned Mark **, from the Newnan Claims Branch, as my Field Claims Representative. I barely heard from the guy pre-inspection, but that’s fine. Mark went out and assessed the damage. Without any communication (explanations of what he saw, extent of damage, claim options, claim process, or WHETHER I WANTED TO PROCEED WITH FILING A CLAIM), Mark processed my claim and sent me a couple of emails with insurance charts and language, specifically to my claim, which I could not understand. Basically, dude just processed my claim and mailed a check. I then called and asked him to walk me through my claim, particularly, what Auto Owner’s will cover vs. what I will be responsible for. I had to truly redirect this guy to answer specific questions as opposed to being rushed through the conversation.

Joseph ** was great. The process with him was quick, efficient, and seamless. He is really good at what he does. Also, he gets back with the customer in a short amount of time. I like that. Anyone needing to talk to an expert with AUTO OWNERS needs to talk to Joseph. He is very knowledgeable about his job.

We recently had roofs replaced due to wind damage. The initial check was issued promptly. The second check regarding depreciation payment is taking over a month to get and is much much less that was expected going by the initial amount of depreciation amount stated. This is all very disappointing considering the yearly premium increases. Due to these outrageous increases we had to go from a $500. deductible with a much higher deductible to save money.

Nobody wakes up and says, “I want to get into a car accident and sue an insurance company.” People with integrity don’t think like that. We just want to work, pay our bills, and live free. We want to stay independent — not depend on anyone. But one moment, one hit, one irresponsible driver… and everything changes. I was sitting in my truck at a full stop when I was suddenly hit by three vehicles at once. It was the hardest impact of my life. I wasn’t moving. I wasn’t at fault. And yet, I’m the one paying the price. I’ve undergone:

I feel compelled to share my experience with Auto-Owners Insurance, particularly in regard to how they handled my recent claim after my vehicle was destroyed in a fire caused by a manufacturer’s defect. Throughout the claims process, I faced an alarming lack of communication. Despite repeated efforts, I could not get the claims adjuster at the Kennesaw, GA claim center to return calls or emails. When I escalated the issue to their supervisors, the response was equally apathetic. This lack of accountability seems indicative of a troubling corporate culture.

RUN!!!! You'll be Sorry if you choose this auto insurance!! They waited 1 month and did not pay claim, horrible experience, rude customer service. They just take my money. Did not pay my claim. I have never had a claim with them, this is my 1st claim. I also will RUN, RUN, RUN!!! Switch to a reputable insurance!!!

My experience with Auto-Owners Insurance was horrible! Had Auto-Owners not screwed me over on my claim, I would have not known how bad they were gouging me. Yes, I found an auto/home bundled package that saves me nearly $2k a year. After multiple attempts to follow up with a filed claim with Auto-Owners, my broker advised Auto-Owners closed my claim without notification.

Useless insurance company galore coupled with very poor customer service, slow, non-transparent, and risk I say, as a consequence, ill intended. I have had a policy with the covering my condo for 15 years. The first time I have a special assessment, they do not cover a dime even though the cause it not excluded from the policy they gave me. The reason they gave is their own internal policy they keep under the desk. Shady insurance company. Run away while you can.

Horrible company. Charge you full price for insurance turn around and only pay 50% on your claims. Horrible. Horrible. Horrible. Charged full price for the insurance but claimed that the car is a piece of crap when it got crashed.

The worst experience I have ever had with dealing with insurance. I was in the process of remodeling my house when the project was halted due to unforeseen circumstances. As a result, I had moved out during the remodeling, which took longer than expected, and a water line ruptured, flooding the kitchen and the finished basement. My claim was denied because the house was not my primary residence, as no one was living there during the remodel process, and the claim's adjuster was argumentative and rude. I believe one of the reasons the claim was denied is that I would not use his contactor for the repairs.

I filed my first claim 2 weeks ago. I have full coverage with Auto Owners. I have been strung along for 2 weeks by the adjuster so decided to DO THEIR JOB and call the 'at-fault' insurance company myself. Guess what- Auto Owners lied and had not filed my claim with them yet. 17 days of telling me we are waiting on USAA to get back- all the while they hadn't even filed it yet. This has got to be illegal.

If you would like rude, inconvenient, and do it on their own schedule kind of Insurance Company…. Well this is the one for you! Don’t expect for them to have anything done on a timely manner and you’ll have to constantly call and remind them to just do their job. Most importantly don’t expect them to take your business serious, you are just a paycheck! If I could give it 0 stars I would. Hands down worst company I’ve ever worked with.