Auto-Owners Insurance Reviews

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.

Man ran a red light and hit me and my kids. He was test driving a car. This was the car lot's insurance. Worst company ever to deal with. Wouldn't return emails or calls. Did everything to avoid getting me money on my totaled vehicle. Low balled. Me and my minor child were injured. Months and months of therapies and Dr visits. Low balled in personal injury claim. Took forever with our settlement money. These people don't care about the victims hurt by their insured clients. Horrible people. Really shouldn't get any stars

Save yourself a lot of hassle and money, find a different insurance company. Auto-Owners has the worst customer service I have ever experienced. We struggled with this company charging us for insurance on a car even after we sold it and told them about it. They continued to bill us for the car that we no longer owned, and when we brought it up again with our insurance broker, they told us they would get it fixed.

If I could give these crooks zero stars, I would. I had a renter's insurance policy with them. My tenants moved out and trashed the home, tore chunks out of the wall, stole a washer dryer, ripped out everything attached to the wall, just trashed and vandalized the place. Auto-Owners, specifically Justin ** and Rachel **, denied the claim, arguing that I could not prove the damage was done with mal-intent, citing case law. When I asked how someone accidentally scribbles with permanent marker on a ceiling and rips every fixture out of the wall on moving out, I was told that such actions were "hard living". When I asked for a definition of hard living, Rachel replied that she was not an attorney, just having cited case law one minute earlier. These people will do absolutely anything they can to deny your claim. Pay a little more and go with pretty much anyone else.

DO NOT GET THIS INSURANCE. Very poor customer service.. Had insurance over 10 years and 2 claims under $3000… They treated us horribly..!! The supervisor treated us worse than the adjuster. Now my attorney has to get involved.

Auto-Owners car insurance is raising the price unfairly. This year they raised it by $250! It's unfair. There were no tickets, car accidents, or anything else that would give them a reason to do what they do. I don't recommend.