Considering affordability, customer service, coverage and financial stability, Auto-Owners ranks second overall in the nation for home insurance. It offers the most affordable home insurance rates for newer and older homes, with top ratings in coverage and financial stability. Review our ratings below.
Auto-Owners Home Insurance Review
Updated: June 26, 2025
Advertising & Editorial Disclosure
Key Takeaways
Auto-Owners ranks third overall for home insurance affordability, offering particularly low premiums for those with newer homes.
Auto-Owners ranks second in the nation for customer satisfaction, with high marks in claims satisfaction and financial stability.
Auto-Owners holds the top spot nationally for coverage options, with unique choices, including guaranteed replacement and equipment breakdown coverage.
Auto-Owners Home Insurance Ratings
| Overall Rating | 91 | 2 |
| Affordability | 49 | 3 |
| Customer Satisfaction | 28 | 2 |
| Coverage | 10 | 1 |
| Financial Stability | 5 | 1 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
Auto-Owners Home Insurance Ratings by State
While Auto-Owners Insurance ranks among the top two nationally, these ratings vary depending on your state. The table below shows how the company ranks by location.
| Alabama | 100 | 1 |
| Arizona | 96 | 1 |
| Arkansas | 91 | 2 |
| Colorado | 96 | 1 |
| Georgia | 96 | 1 |
| Illinois | 96 | 1 |
| Indiana | 90 | 2 |
| Iowa | 99 | 1 |
| Kansas | 99 | 1 |
| Kentucky | 91 | 1 |
| Michigan | 97 | 1 |
| Minnesota | 98 | 1 |
| North Carolina | 93 | 1 |
| North Dakota | 81 | 2 |
| Ohio | 99 | 1 |
| South Carolina | 87 | 3 |
| South Dakota | 96 | 1 |
| Tennessee | 93 | 2 |
| Utah | 63 | 6 |
| Virginia | 93 | 2 |
| Wisconsin | 66 | 4 |
How Much Is Auto-Owners Home Insurance?
For most homeowners, Auto-Owners home insurance costs $172 per month and $2,061 yearly. However, depending on your unique profile and coverage needs, costs can vary from $37 to $15,132 monthly. Below, we've broken down costs in a filterable table that can fit your profile.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
Select
Age of Home:Older Homes
| $250K Dwelling / $125K Personal Property / $200K Liability | $172 | $2,061 |
Auto-Owners Home Insurance Cost by State
Costs also vary heavily by state. Below, you can review pricing for Auto-Owners home insurance by location:
| Alabama | $276 | $3,313 |
| Arizona | $144 | $1,732 |
| Arkansas | $402 | $4,828 |
| Colorado | $139 | $1,673 |
| Georgia | $134 | $1,611 |
| Illinois | $167 | $1,999 |
| Indiana | $200 | $2,406 |
| Iowa | $123 | $1,472 |
| Kansas | $210 | $2,521 |
| Kentucky | $180 | $2,157 |
| Michigan | $29 | $351 |
| Minnesota | $120 | $1,445 |
| North Carolina | $202 | $2,425 |
| North Dakota | $189 | $2,265 |
| Ohio | $102 | $1,227 |
| South Carolina | $213 | $2,550 |
| South Dakota | $212 | $2,538 |
| Tennessee | $194 | $2,327 |
| Utah | $140 | $1,678 |
| Virginia | $113 | $1,353 |
| Wisconsin | $117 | $1,403 |
Auto-Owners Home Insurance Coverage Options
In addition to standard coverage options, Auto-Owners offers the following add-ons:
Add-on Coverage Option | Coverage Details |
|---|---|
Equipment breakdown | Covers electrical and mechanical equipment failures at your home, from air conditioners and heating units to computers and major appliances |
Guaranteed replacement cost | Provides full replacement of your home if your coverage limit is too low |
Building ordinance upgrades | Pays to get you up to code when local ordinances or laws regulate construction, repair or demolition of your property |
Sewer and water drain damage | Covers damage to floors, walls, furniture and electrical systems caused by backed up sewers or drains |
Personal property replacement cost | Provides broader coverage for your personal items, including loss or misplacement, staining or defacing and more |
Scheduled personal property | Provides additional coverage for high-value property items like jewelry, including loss, misplacement, staining or other damage to your property |
Cyber event/Identity theft | Covers the cost for you to hire professional help to recover stolen or corrupted data, restore your device's functionality and legal counsel to review and develop a response for personal data compromise, including coverage for financial loss from fraud and identity theft |
Auto-Owners Homeowners Insurance Review: Bottom Line
Auto-Owners Insurance ranks within MoneyGeek’s top 2 for home insurance, making it a smart choice to consider for a quote. While it's a strong contender, it's wise to compare prices and coverage from other providers to ensure you're getting the best deal.
Auto-Owners Home Insurance: FAQ
Below are answers to frequently asked questions about Auto-Owners home insurance:
Is Auto-Owners home insurance good?
Auto-Owners home insurance is a strong option, earning the second overall spot nationally. It ranks third for affordability, second for customer satisfaction and first for coverage options.
How much is home insurance with Auto-Owners?
Auto-Owners home insurance for $250,000 of dwelling coverage averages around $2,061 per year, about $600 less than the national average. Depending on individual factors and chosen coverages, premiums might vary from $420 to $15,132 annually.
How is Auto-Owners' home insurance customer service?
Our review of Auto-Owners home insurance places the company second overall for customer service, while it has an average ranking for home insurance claims and overall customer satisfaction, according to J.D. Power.
How We Rated Auto-Owners Home Insurance
We used the following base profile to determine rates for all homeowners insurance providers and judge their affordability:
- 40-year-old homeowner
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the past 5+ years
Our ratings system consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared costs relative to the national average and competition.
- Customer experience (35% of score): We considered forum ratings from customers, industry studies from J.D. Power and AM Best Financial Strength scores.
- Coverage (10% of score): This score considers add-on coverage selections relative to the average and the uniqueness of selections available.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.