Auto Owners homeowners insurance review 2025

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 2025 ranking. It was, however, rated and earned 4.48 stars out of 5. The insurer received strong scores from third-party rating agencies AM Best and J.D. Power — an A++ (superior) and 634 out of 1,000, respectively. Its J.D. Power score was just below the study average of 640.

Auto-Owners also received strong marks in multiple categories in our survey, including ease of service, recommendations and customer loyalty.

Where can you buy Auto-Owners homeowners insurance?

Auto-Owners home insurance is available in 26 states:

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State	Average annual premium
Alabama	$3,362
Arizona	-
Arkansas	$5,533
Colorado	-
Florida	-
Georgia	$1,593
Idaho	-
Illinois	$2,239
Indiana	$3,127
Iowa	$1,890
Kansas	-
Kentucky	$3,129
Michigan	$426
Minnesota	$1,557
Missouri	-
Nebraska	-
North Carolina	-
North Dakota	$3,160
Ohio	$1,610
Pennsylvania	-
South Carolina	$2,101
South Dakota	$2,264
Tennessee	$2,431
Utah	$1,761
Virginia	-
Wisconsin	$1,945

*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 table below shows average annual premiums for different coverage levels, all with a $1,000 deductible.

Coverage level	Average annual rate
$200,000 with $1,000 deductible and $100,000 liability	$1,732
$200,000 with $1,000 deductible and $300,000 liability	$1,741
$300,000 with $1,000 deductible and $100,000 liability	$2,150
$300,000 with $1,000 deductible and $300,000 liability	$2,160
$400,000 with $1,000 deductible and $100,000 liability	$2,604
$400,000 with $1,000 deductible and $300,000 liability	$2,616
$600,000 with $1,000 deductible and $100,000 liability	$3,464
$600,000 with $1,000 deductible and $300,000 liability	$3,480
$1,00,000 with $1,000 deductible and $100,000 liability	$6,672
$1,00,000 with $1,000 deductible and $300,000 liability	$6,700

Auto-Owners home insurance discounts

Only 64% of customers surveyed said they were satisfied with the discounts from Auto-Owners. However, many insurers surveyed didn’t perform very well in the category. Amica received the highest score of 85%.

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	Average rate after	% discount
New home	$2,160	$1,492	31%
Bundle	$2,160	$2,002	12%
Separate wind/hail deductible	$2,160	$1,953	10%
Paid in full	$2,160	$1,980	8%
Advance purchase	$2,160	$2,036	6%
Upgrades	$2,160	$2,033	6%
Fire alarm	$2,160	$2,105	3%
Hail resistant roof	$2,160	$2,105	3%
Sprinklers	$2,160	$2,101	3%
Loyalty	$2,160	$2,124	2%
Smoke detector	$2,160	$2,147	1%
Water safety system	$2,160	$2,149	1%
Burglar alarm	$2,160	$2,152	>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	$2,160	$4,292	99%
Home-based business	$2,160	$2,208	2%
Wood burning stove	$2,160	$2,523	17%

Auto-Owners vs. Competitors: How does Auto-Owners stack up?

Company	Average annual rate	Customer satisfaction	Ease of service	Policy offerings
Auto-Owners	$2,160	85%	89%	87%
Nationwide	$2,746	93%	93%	96%
American Family	$2,504	86%	83%	81%

*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?

To determine if a homeowners insurance company is the right fit for you, there are a few factors to consider, such as the insurer's financial strength, customer loyalty and customer satisfaction.

Auto-Owners performed well in all of these categories. 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, 83% of Auto-Owners customers surveyed think the insurer is trustworthy. This was around the middle of the scoring range of carriers surveyed. Safeco won this category at 96%.

Company	Percentage of customers who say they trust the company
Auto-Owners	83%
Nationwide	83%
American Family	69%

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 73% of people surveyed saying they’ll recommend it to others. Erie led the pack with 93%.

Company	Percentage of customers who would recommend the company to others
Auto-Owners	73%
Erie	95%
Farmers	83%

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. Safeco locked up this category at 100%.

Company	Percentage of customers who would recommend the company to others
Auto-Owners	90%
Erie	93%
American Family	86%

Is Auto-Owners good at paying claims?

J.D. Power is a third-party rating system that rewards points based on several factors, including the ability to pay out claims. Auto-Owners earned a high J.D. Power property claims satisfaction score of 719/1,000, the fourth-highest of all the carriers surveyed. Chubb came in first, receiving a score of 773. In our survey, 76% of customers said they were satisfied with Auto-Owners' claims service.