Ranking 3rd overall among 39 regional providers, Auto-Owners Insurance’s overall performance reflects a balanced approach to affordability, service quality and coverage. Its MoneyGeek ratings highlight the company’s consistent performance across all three areas.
Explore MoneyGeek scores and rankings below, based on a sample homeowner profile, to see how Auto-Owners Insurance compares to MoneyGeek’s analysis of the best homeowners insurance providers.
Auto-Owners Home Insurance Review
Updated: October 21, 2025
Advertising & Editorial Disclosure
Auto-Owners
MoneyGeek Rating
4.7/ 5
4.9/5Affordability
4.8/5Customer Experience
3.9/5Coverage Options
Average Annual Premium
$2,372Number of Endorsements
9Number of Discounts
12
Key Takeaways
Auto-Owners Insurance ranks 3rd nationally for customer experience with a score of 4.82 out of 5.
On average, Auto-Owners policies with $250,000 in dwelling coverage costs $2,372 annually.
For additional protection, Auto-Owners offers endorsements like guaranteed home replacement cost, inland flood coverage and home cyber protection.
Auto-Owners Home Insurance Ratings: MoneyGeek’s Review
| Overall | 4.71 | 3 |
| Affordability | 4.88 | 21 |
| Customer Experience | 4.82 | 3 |
| Coverage | 3.87 | 8 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
How Much Does Auto-Owners’ Homeowners Insurance Cost?
The average cost of home insurance with Auto-Owners is $2,372 per year for $250,000 in dwelling coverage, but higher coverage levels, such as $1 million in dwellingthe average cost rises to $8,540 annually. Factors like home age, building materials and location all influence premiums.
Check the table below for a closer look at average homeowners insurance costs by coverage limit and toggle between deductible options when comparing or shopping for cheap homeowners insurance.
Data filtered by:
$1,000
| $100K Dwelling / $50K Personal Property / $100K Liability | $121 | $1,452 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $198 | $2,372 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $332 | $3,990 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $465 | $5,584 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $712 | $8,540 |
Auto-Owners Homeowners Insurance Cost by State
Location plays a significant role in your premiums, as providers consider weather risks, rebuilding costs and state regulations. With Auto-Owners, annual costs can range between $400 to as high as $5,921 for $250,000 in dwelling coverage depending on your state.
Check the table below to see a map of where Auto-Owners provides homeowners insurance for a $250,000 dwelling coverage policy with a $1,000 deductible.
Hover over the map to see data for a state
Note: Data above is for states in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.
Auto-Owners Homeowners Insurance Discounts
Auto-Owners Insurance offers 13 discounts that can help homeowners lower their premiums, though availability may vary by state. See the table below for a complete list of discounts and how to qualify for each.
Multi-Policy Discount | Receive savings when you hold another qualifying policy with Auto-Owners. |
Life Multi-Policy Discount | Earn a rate reduction by having a qualifying life insurance policy with Auto-Owners. |
Payment History | Qualify for savings if you’ve consistently paid your premiums on time over the past 36 months. |
Paid-in-Full Discount | Get a discount when you pay your annual homeowners premium in full and on time. |
Green Discount | Save when you choose paperless billing and make payments online. |
Advance Quote | Receive a discount for requesting a quote before your policy’s effective date. |
Protective Devices Discount | Get savings if your home includes safety features like smoke detectors, deadbolt locks or fire extinguishers. |
Water Shut-Off System Discount | Earn a discount when your home has a whole-home water shut-off system that automatically stops leaks. |
Automatic Backup Generator Discount | Qualify for savings if your home includes an approved backup generator. |
Mortgage-Free Discount | Receive a discount if you own your home outright without a mortgage or line of credit. |
Deductibles | Lower your premium by choosing a higher deductible and assuming more financial risk. |
Favorable Loss History | Qualify for reduced premiums if you have a strong record of few or no past claims. |
Hurricane/Wind Mitigation Discounts | Earn savings if your home has construction features that protect against wind damage from major storms. |
What Does Auto-Owners Homeowners Insurance Cover?
Auto-Owners policies include the six standard types of home insurance coverages found in most home insurance plans:
Dwelling Coverage
Dwelling coverage applies to the structure of your home itself, including the walls, roof and built-in fixtures. It covers repair or rebuilding costs when your house is damaged by covered perils such as fire or wind.
Other Structures Coverage
Other structures coverage extends to buildings on your property that aren’t attached to your home, such as garages, fences or sheds. It helps pay for repairs or replacement if these detached structures are damaged by covered events.
Personal Property Coverage
Personal property coverage covers belongings inside your home, including furniture, electronics and other personal items. It can also apply to possessions stolen or damaged outside your home, depending on the policy terms.
Personal Liability Coverage
Personal liability coverage provides financial protection if someone is injured or their property is damaged and you are legally responsible. It covers legal defense costs and potential settlements up to your policy limits.
Medical Payments Coverage
Medical payments coverage pays for minor medical expenses if a guest is injured on your property, regardless of who is at fault. It’s designed to handle smaller incidents and help avoid legal disputes.
Loss of Use Coverage
Loss of use coverage helps pay for additional living expenses if your home becomes uninhabitable due to a covered loss. It can pay for, but is not limited to, hotel stays, additional food and transportation expenses, pet boarding and more.
Optional Home Insurance Coverages from Auto-Owners
Auto-Owners Insurance offers nine additional coverages, also known as endorsements, that homeowners can add to their standard policy. These endorsements provide extra protection for situations not included in basic coverage, such as equipment breakdowns or cyber incidents. However, availability may vary by state.
Explore Auto-Owners endorsement options below.
Guaranteed Home Replacement Cost | Pays the full cost to rebuild your home after a covered loss, even if your policy limit isn’t high enough. |
Water Backup of Sewers or Drains | Covers damage from water that backs up through sewers, drains or sump pumps, helping pay for repairs to walls, floors and furniture. |
Special Personal Property Coverage | Expands your policy to cover a wider range of personal item losses, including accidental damage, misplacement or defacement. |
Ordinance or Law Coverage | Helps pay for costs related to rebuilding or repairing your home to comply with current local building codes or ordinances. |
Homeowners Plus | Bundles several added protections into one package, including coverage for appliance leaks, higher food spoilage limits and more. |
Equipment Breakdown | Covers sudden mechanical or electrical failures of major home systems and appliances, such as HVAC units or computers. |
Identity Theft Expense Coverage | Provides up to $15,000 to cover expenses related to restoring your financial identity after identity theft. |
Home Cyber Protection | Covers expenses related to recovering lost data, addressing cyber fraud and responding to personal data breaches. |
Inland Flood Coverage | Offers flood coverage for homes in low- to moderate-risk zones, including protection for home structures, contents and additional living expenses. |
What Does Auto-Owners’ Home Insurance Not Cover?
Standard homeowners insurance from Auto-Owners does not cover every type of loss or damage. Below are a few events that often excluded:
Earthquakes and Floods
Floods and earthquakes are not included under a standard policy, and homeowners must purchase separate coverage for these perils if they want financial protection. Auto-Owners offers an endorsement on inland flood coverage, which can help if you live in a flood-prone area.
Intentional or Preventable Damage
Losses caused by deliberate actions or neglect, such as vandalism by the homeowner or failure to maintain the property, are not covered.
Business Losses
A standard policy doesn’t include coverage for business activities or equipment operated from your home unless you add a specific endorsement.
How to Buy Auto-Owners’ Homeowners Insurance
Homeowners can buy home insurance from Auto-Owners through the company’s website or by working with a local independent agent.
- 1Determine How Much Coverage You Need
Start by determining how much home insurance you need based on your property’s value and personal belongings. You can also create and make use of a home inventory to set the right personal property coverage limits.
- 2Get a Quote Online or Through an Agent
Visit Auto-Owners’ website or connect with an agent to request a personalized quote. Provide details about your home’s size, location and construction to receive an accurate estimate.
- 3Compare Policy Options
Review different coverage levels and add-on options offered by Auto-Owners. Comparing these features helps ensure the policy fits your home’s specific risks and needs.
- 4Apply for Discounts
Ask your agent or check your quote for available discounts that can lower your premium. For instance, you may qualify for Auto-Owners' protective devices or water shut-off system discounts.
- 5Review and Finalize Your Policy
Carefully read through your policy terms, coverage limits and deductibles before signing. Once finalized, keep a copy of your policy for future reference and claims.
How to File a Homeowners Insurance Claim with Auto-Owners
Filing a homeowners insurance claim with Auto-Owners can be started online, by phone or through an agent. Following the right steps ensures your claim is processed efficiently and repairs begin quickly.
- 1Report the Claim
Notify Auto-Owners as soon as possible after a loss occurs. Claims can be reported through the company’s website, mobile app or your local agent.
- 2Document the Damage
Take photos or videos of the affected areas and make a list of damaged items. This documentation supports your claim and helps verify repair or replacement costs.
- 3Schedule an Inspection
An adjuster sent by Auto-Owners will contact you to assess the damage and estimate repair costs. Cooperate with the inspection process to ensure all losses are accurately evaluated.
- 4Review the Settlement and Repair ProcessOnce the claim is approved, review your settlement details to understand the payout and repair plan. Work with contractors or service providers to complete repairs using the approved amount.
Once the claim is approved, review your settlement details to understand the payout and repair plan. Work with contractors or service providers to complete repairs using the approved amount.
Auto-Owners Homeowners Insurance Review: Bottom Line
Auto-Owners Insurance has a MoneyGeek score of 4.71 out of 5, ranking 3rd nationally for its balance of affordability, customer experience and coverage. The average annual cost for $250,000 in dwelling coverage is $2,372, though rates vary by state and policy details.
Homeowners can add optional coverages such as guaranteed home replacement cost and home cyber protection for extra security. Savings opportunities include the paid-in-full and green discounts, helping eligible policyholders lower their premiums.
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 performs well overall, earning a MoneyGeek score of 4.71 out of 5 and ranking 3rd nationally. The company’s strong results across affordability, customer experience and coverage make it a solid choice for many homeowners.
How much is home insurance with Auto-Owners?
Auto-Owners home insurance costs an average of $2,372 per year for a policy with $250,000 in dwelling coverage. Rates can change depending on where you live, your home’s value and the coverage limits you choose.
How is Auto-Owners' home insurance customer service?
Auto-Owners scores 4.82 out of 5 for customer experience, ranking 3rd nationwide. This high rating reflects consistently positive feedback and dependable support for policyholders.
Auto-Owners Insurance Home Insurance Rates: Our Methodology
We used the following base profile to evaluate Auto-Owners Insurance and determine its homeowners insurance rates and affordability:
- Middle-aged homeowner (41 to 60)
- 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 for Auto-Owners consisted of the following scoring mechanisms:
- Affordability (55% of score): Using the base profile, we compared Auto-Owners’ premiums with the national average and other competitors.
- Customer experience (35% of score): We reviewed customer feedback, J.D. Power satisfaction data and AM Best Financial Strength ratings to assess service quality.
- Coverage (10% of score): This score reflects the range and uniqueness of Auto-Owners’ optional coverages compared with the average provider.
Home Insurance Review for Auto-Owners Insurance: Related Articles
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Auto-Owners Insurance. "Coverages." Accessed October 17, 2025.
- Auto-Owners Insurance. "https://www.auto-owners.com/insurance/homeowners/ways-to-save Ways to Save." Accessed October 17, 2025.