- Our thoughts on Auto-Owners
- Where can you buy Auto-Owners homeowners insurance?
- What does Auto-Owners homeowners insurance cover?
- How much is Auto-Owners home insurance?
- Auto-Owners home insurance discounts
- What makes Auto-Owners’ home insurance rates go up?
- Auto-Owners vs. competitors: How does Auto-Owners stack up?
- What do people ask about Auto-Owners?
- Methodology
Our thoughts on Auto-Owners
Auto-Owners is a regional company, and was therefore not ranked against national carriers in our Best Home Insurance Companies 2026 ranking. It was, however, rated and earned 4.48 stars out of 5. The insurer has a low complaint ratio with the National Association of Insurance Commissioners (NAIC) and carries an A+ financial rating from AM Best, showcasing a good reputation.
Auto-Owners also received strong marks in multiple categories in our survey, including ease of service, recommendations and customer loyalty. However, it scored on the lower side for claims handling, and rates are above average.
Where can you buy Auto-Owners homeowners insurance?
Auto-Owners home insurance is available in 26 states:
| State | Average annual premium |
|---|---|
| Alabama | $3,168 |
| Arizona | - |
| Arkansas | $7,333 |
| Colorado | - |
| Florida | - |
| Georgia | $2,063 |
| Idaho | - |
| Illinois | $1,036 |
| Indiana | $4,526 |
| Iowa | $2,947 |
| Kansas | - |
| Kentucky | $4,379 |
| Michigan | $2,367 |
| Minnesota | $3,023 |
| Missouri | - |
| Nebraska | - |
| North Carolina | - |
| North Dakota | $4,499 |
| Ohio | $2,101 |
| Pennsylvania | - |
| South Carolina | $4,265 |
| South Dakota | $4,143 |
| Tennessee | $3,028 |
| Utah | $3,563 |
| Virginia | - |
| Wisconsin | $1,579 |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
What does Auto-Owners homeowners insurance cover?
- Your home (dwelling coverage)
- Other structures on your property, such as a shed or detached garage (other structures)
- The contents of your home (personal property)
- Temporary housing and additional expenses if you can’t live at home due to a covered loss (loss of use/additional living expenses)
- Damages if you are responsible for injuries or damage to someone else (personal liability and medical payments)
You can also add additional coverage to supplement your policy:
- Complete replacement of your home if your cost to rebuild exceeds your insurance policy’s limit.
- Expanded coverage for your personal items
- Repair costs for damage to floors, walls, furniture and electrical systems
- An extra 25% above your limits if your repair or replacement costs exceed your coverage limit
How much is Auto-Owners home insurance?
The average cost of an Auto-Owners home insurance policy is $2,840 a year, at our benchmark coverage level of $300,000 in dwelling and liability coverage with a $1,000 deductible. However, rates vary by coverage needs. The table below shows average annual premiums for different coverage levels, all with a $1,000 deductible.
| Coverage level ($1,000 deductible) | Average annual rate |
|---|---|
| $200,000 dwelling, $100,000 Liability | $2,232 |
| $200,000 dwelling, $300,000 Liability | $2,249 |
| $300,000 dwelling, $100,000 Liability | $2,824 |
| $300,000 dwelling, $300,000 Liability | $2,840 |
| $400,000 dwelling, $100,000 Liability | $3,449 |
| $400,000 dwelling, $300,000 Liability | $3,466 |
| $600,000 dwelling, $100,000 Liability | $4,617 |
| $600,000 dwelling, $300,000 Liability | $4,642 |
| $1,000,000 dwelling, $100,000 Liability | $6,775 |
| $1,000,000 dwelling, $300,000 Liability | $6,819 |
Auto-Owners home insurance discounts
Only 50% of the customers surveyed said they were satisfied with the discounts offered by Auto-Owners. However, many insurers surveyed performed poorly in this category. Auto Club Enterprises topped the category at 75%.
The chart below shows some available discounts and how each discount affects pricing. The biggest discount offered is for new homes.
| Discount type | Average rate before discount | Average rate after discount | % discount |
|---|---|---|---|
| Advance purchase | $2,841 | $2,677 | 6% |
| Bundle | $3,070 | $2,828 | 8% |
| Burglar alarm | $2,738 | $2,731 | >1% |
| Fire alarm | $2,831 | $2,741 | 3% |
| Hail-resistant roof | $1,008 | $990 | 2% |
| Loyalty | $3,279 | $3,211 | 2% |
| New home | $3,028 | $2,040 | 30% |
| Paid in full | $3,028 | $2,731 | 10% |
| Smoke detector | $4,552 | $4,526 | 1% |
| Sprinklers | $2,589 | $2,517 | 3% |
| Water safety system | $2,993 | $2,978 | >1% |
*Based on $300,000 dwelling, $300,000 liability with a $1,000 deductible
What makes Auto-Owners’ home insurance rates go up?
Most insurance companies hike your rates in certain situations, and Auto-Owners is no different. Filing a claim is a major factor for increased rates, just about doubling your cost.
Having a wood-burning stove in your home will result in a 17% increase in your rates. An older home results in a 4% increase.
| Reason | Average rate before | Average rate after | % increase |
|---|---|---|---|
| Claims | $1,054 | $2,584 | 150% |
| Home-based business | $3,028 | $3,063 | 1% |
| Proximity to fire station | $3,154 | $3,169 | 0% |
| Wood-burning stove | $2,995 | $3,579 | 18% |
Auto-Owners vs. competitors: How does Auto-Owners stack up?
Compare Auto-Owners to other regional carriers below to see how it stacks up. Overall, rates are a little higher, and Erie out-scored Auto-Owners in key survey areas.
| Company | Average annual rate | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|---|
| Auto-Owners | $2,840 | 82% | 84% | 80% |
| Erie | $2,783 | 93% | 92% | 93% |
| American Family | $2,759 | 76% | 84% | 78% |
*Based on $300,000 dwelling, $300,000 liability with a $1,000 deductible
What do people ask about Auto-Owners?
Below are some commonly asked questions about Auto-Owners and how it stacks up against competitors.
Is Auto-Owners a good homeowners insurance company?
According to our survey and third-party ratings, Auto-Owners is a good, trusted insurer.
It received an A++ rating from AM Best, demonstrating that it has the ability to meet its financial obligations. Our survey shows that Auto-Owners customers are also loyal to the company, with 90% of policyholders saying they’ll renew their coverage with the insurer.
Do people trust Auto-Owners?
According to our survey, 88% of Auto-Owners customers surveyed think the insurer is trustworthy. This was around the middle of the scoring range of carriers surveyed. Auto Club Enterprises (AAA SoCal) won this category at 100%.
| Company | Percentage of customers who say they trust the company |
|---|---|
| Auto-Owners | 88% |
| Nationwide | 90% |
| American Family | 87% |
Do people recommend Auto-Owners?
Satisfied customers recommend their insurance company to friends and family. Auto-Owners scored below some competitors in this category, with 87% of people surveyed saying they’ll recommend it to others. Auto Club Enterprises (AAA SoCal) led the pack with 95%.
| Company | Percentage of customers who would recommend the company to others |
|---|---|
| Auto-Owners | 87% |
| Erie | 92% |
| Farmers | 88% |
Do people plan to renew with Auto-Owners?
Auto-Owners scored well for customer loyalty, with most policyholders saying they plan to renew their coverage. Auto Club Enterprises (AAA SoCal) locked up this category at 100%.
| Company | Percentage of customers who would recommend the company to others |
|---|---|
| Auto-Owners | 92% |
| Erie | 93% |
| American Family | 92% |
Is Auto-Owners good at paying claims?
Opinions are mixed. Auto-Owners earned a high J.D. Power property claims satisfaction score of 719/1,000, the fourth-highest of all the carriers surveyed.However, in our survey, only 62% of customers said they were satisfied with Auto-Owners’ claims service.
| Company | Survey score | J.D. Power score |
|---|---|---|
| Auto-Owners | 62% | 719 |
| Erie | 84% | 705 |
| Amica | 83% | 745 |
Sources:
Auto-Owners Insurance. “Homeowners Insurance.” Accessed March 2026.
Methodology
Insurance.com surveyed more than 2,000 insurance customers in the fall of 2025. The survey was conducted by online market research company Dynata.
Respondents were asked to name their home insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Insurance shopping and buying process
- Billing process
- Discounts offered
- Fair rate increases over time
- Older home coverage
- Extra coverage included as standard
- Home and auto bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current home insurance company
- I would recommend my home insurance company to others
- I trust my home insurance company
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For home insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
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