Auto-Owners Insurance Co had an overall customer service score of 84 out of 100 from MoneyGeek. MoneyGeek's combined review of a company's customer satisfaction, financial stability and affordability yields this rating.
score84Auto-Owners Insurance Co Home Insurance Review (2024)
Updated: May 22, 2024
Advertising & Editorial Disclosure
score844/5
satisfaction
4/5
affordability
5/5
stability
pros
Wide range of discounts
Low consumer complaint rate
Customers can make automatic payments online
cons
No online quote tool
Online claims submission unavailable
Not available everywhere
Verdict
While Auto-Owners isn't the largest insurance company in the country, they do provide low prices in exchange for a wide range of coverage options and excellent customer service. In terms of customer care, Auto-Owners Insurance Co stands out.
Auto-Owners Insurance Co homeowners insurance may be a good choice if you desire individual care. However, since you can't browse for a policy or file a claim online, it's probably not the perfect insurance provider for people who prefer a provider with comprehensive digital tools.
Does Auto-Owners Insurance Co Have Good Customer Service?
Customer Satisfaction Rating
Customer satisfaction numbers can differentiate between a pleasant and unpleasant claims experience, and this insurance provider boasts a strong track record among consumers. Based on J.D. Power research in which the insurer earned a score of 831 out of 1,000 and ranked in the top 10 homeowners insurance companies, MoneyGeek rated Auto-Owners Insurance Co a 4.23 out of 5 for customer satisfaction.
Customer Complaint Index
In addition to its service quality, MoneyGeek analyzed Auto-Owners Insurance Co's customer complaint index from the National Association of Insurance Commissioners (NAIC). With a score of 0.38 compared to the national median of 1.00, Auto-Owners Insurance Co received fewer complaints than the average insurance company.
Financial Stability Rating
AM Best has given Auto-Owners Insurance Co an A++ rating, signifying that it has a superior capacity to fulfill its ongoing insurance responsibilities. You can have confidence in Auto-Owners Insurance Co's ability to satisfy its financial obligations, which is critical when filing a claim.
What to Expect From Auto-Owners Insurance Co Homeowners Insurance
The Auto-Owners Insurance Co homeowners insurance review by MoneyGeek gives a summary of what you can expect if you buy insurance from this company, including some of the features and services you will experience throughout your customer journey.
1
Getting a quote
Auto-Owners Insurance Co, unlike most insurance providers, does not offer online quotes. Instead, you'll have to talk to an insurance agent directly.
2
Customer support
Auto-Owners Insurance Co can be reached via phone (1-800-346-0346) or via fax (1-517-323-8796). The insurer also emphasizes that policy changes cannot be handled through their website.
3
Filing a claim
Similarly, you must contact an agent to file a claim. You can, however, track your claim once it has been processed.
4
Canceling your policy
At a certain point, you may decide to terminate your Auto-Owners Insurance Co homeowners insurance policy. You can do so by contacting the company as soon as possible.
FILING A HOMEOWNERS INSURANCE CLAIM WITH AUTO-OWNERS INSURANCE CO
The only way to file a claim with Auto-Owners Insurance Co homeowners insurance is to speak with an agent. Once your claim has been filed, you can track it. On Android and iOS devices, the Auto-Owners Insurance Co app is available where you can pay bills, keep track of claims and read policy documentation.
STATE AVAILABILITY
Auto-Owners Insurance Co homeowners insurance is available in 31 states, including Alabama, Arkansas, Arizona, Colorado, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Michigan, Minnesota, Missouri, Mississippi, North Carolina, North Dakota, Nebraska, New Mexico, Nevada, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, Washington and Wisconsin.
How Much Does Auto-Owners Insurance Co Homeowners Insurance Cost?
Homeowners insurance costs an average of $1,979 per year, but the average cost of your homeowners insurance may vary depending on your unique profile. Your location, age and kind of construction of your property are all factors that impact your premiums.
MoneyGeek recommends connecting with a representative from Auto-Owners Insurance Co to find out how much your homeowners insurance will cost.
Insurers examine your location, the cost of repairing your house, personal belongings and the deductible you choose when calculating your premium.
A $250,000 dwelling insurance is usually plenty, but it's best to estimate the worth of your home to see how much coverage you'll need. Additional coverage limits, which have an impact on your premiums, must also be set. MoneyGeek’s homeowners insurance calculator below can provide you with a quote depending on the coverage amounts you want.
Home Insurance Calculator
State
Alabama
Dwelling Coverage
$100,000
Deductible
$500
Liability
$300,000
Personal Property
$20,000
Credit Score
Excellent
Low
Average
High
These are annual estimates. Get a personalized quote to determine your costs.
MONEYGEEK EXPERT TIP
While it may be appealing to choose lower coverage limits to save money on monthly premiums, your expenditures could skyrocket if you need reimbursement money. Prioritize your sense of security by purchasing sufficient coverage to rebuild your house if necessary.
What Discounts Does Auto-Owners Insurance Co Offer?
For homeowners insurance, Auto-Owners Insurance Co offers eight discounts, which is more than the industry average. While some of these discounts are shared by other insurance companies, Auto-Owners does also offer a couple of somewhat unique discounts for policyholders.
Discount | Description |
|---|---|
Bundle | When you have other Auto-Owners Insurance Co products, such as auto and life insurance, you can save money on your premiums. |
Responsible Payment | If you have paid your premiums on time for the past 36 months, you may be eligible for this discount. |
Full Payment | If you pay your annual policy premium in full and on time, you will save even more money. |
Paperless Transactions | This discount may be available if you enroll in paperless billing and pay your policy payments online. |
Early Payment | New applicants who seek a quote before the policy's effective date will receive a discount. |
Protective Device | This discount could be available if you have safety devices installed, such as smoke detectors, deadbolt locks and fire extinguishers. |
Mortgage-Free | If you do not have a mortgage or a line of credit on your house, you might be eligible for this discount. |
Claims Free | For policyholders who remain claims-free for a certain amount of time, they can qualify for a discount. |
MONEYGEEK EXPERT TIP
Customers can save money by bundling their insurance policies with Auto-Owners Insurance Co. Bundling your Auto-Owners Insurance Co homeowners insurance with other insurance products, paying your complete annual cost upfront and installing safety equipment all qualify for discounts.
Which Coverage Types Does Auto-Owners Insurance Co Offer?
Auto-Owners Insurance Co provides all of the coverages that a homeowners insurance company would provide, including dwelling, other structures, personal property, personal liability and medical payments to others. It covers additional living expenses if you have to leave your home, in addition to the regular coverages.
The industry average when it comes to coverages is five. Auto-Owners Insurance Co exceeds this number by four.
Auto-Owners Insurance Co provides nine add-on coverage options. MoneyGeek outlines the following endorsements available to Auto-Owners Insurance Co homeowners insurance clients below.
1
Equipment Breakdown
This covers everything from air conditioners and heating units to computers and big appliances failing electrically or mechanically in your home.
2
Service Line
This provides additional coverage for damage to underground piping or wiring that connects your property to a public utility or a private system.
3
Off-Premises Personal Property
If you go on vacation, whatever personal property you bring with you, such as a laptop, is protected in case it is damaged.
4
Specialty Vehicle
Boats, ATVs and off-road vehicles can also be covered.
5
Extended reimbursement
With a higher cost endorsement, you can boost your limits by up to 25% or get a guaranteed replacement cost. In the event that your coverage limit is too low, this provides full replacement of your house.
6
Back-Up of Sewer or Drain
Water backup coverage is available with a variety of limitations to fit your needs.
7
Building Ordinance or Law
Local codes or legislation may apply to your property's construction, restoration or demolition. This insurance will cover the cost of getting you up to code.
8
Cyber Event / ID Theft
This allows you to get up to $15,000 in reimbursement for expenditures incurred while attempting to reclaim your financial identity.
9
Scheduled Personal Property
Auto-Owners Insurance Co can accommodate large collections of fine arts and jewelry, as well as provide wide coverages such as agreed value loss settlement.
MoneyGeek strongly advises comparing homeowners insurance rates for a chance to assess selections in order to get the best offer. Keep in mind that most policies do not cover flood, earthquake or bug damage if you reside in a region where these disasters are common.
The amount of insurance you need is determined by your specific circumstances. You can customize your policy to meet your specific needs, but be sure it contains at least these basic coverages.
Dwelling
If your dwelling coverage isn't adequate to repair or rebuild your home, you'll receive a guaranteed home replacement cost.
Personal Property
This helps you replace or repair personal goods that aren't generally covered by homeowners insurance.
Personal Liability
This covers legal fees and damages if you're at fault for other people's injuries or property damage.
Other structures
Damage to unattached structures, such as a shed or a fence, is covered with this protection.
Medical payments
With this protection, Injuries to visitors at your residence are covered regardless of fault.
Loss of use
If you are unable to live in your home while it is being repaired, this insurance will cover the expense of temporary accommodation.
What Online Insurance Tools Does Auto-Owners Insurance Co Offer?
On Android or iOS devices, the Auto-Owners Insurance Co mobile app can be used to pay bills, track claims and read policy documentation. There are no online quotes or claim submissions, though. You can only file a claim by contacting an agent. However, you can track your claim online once it's been filed.
Mobile App
Easily pay bills, track claims and view policy documentation with the Auto-Owners Insurance Co mobile app.
Flexible Payment Options
Make a one-time payment or set up recurring payments from your bank or credit card.
Online Bills Payment
You can manage payments and read extra policy information by logging into your policy on the app or website.
Other Auto-Owners Insurance Co Insurance Products
Auto-Owners Insurance Co also offers auto insurance, life insurance and business insurance, among others, to homeowners with additional needs. The majority of these can be purchased as a package deal, which can give you extra discounts.
Type of Product | Description |
|---|---|
Life Insurance | With a life insurance policy from Auto-Owners Insurance Co, you can plan for the future and financially protect the people you care about. |
Auto Insurance | With a variety of available discounts, Auto-Owners Insurance Co’s pricing is very competitive among auto insurances in the market. |
Flood Insurance | Auto-Owners Insurance Co offers flood insurance to protect your property if there’s flooding in your area. |
Umbrella Insurance | Umbrella insurance protects you in the event of a big injury or liability claim that exceeds the limits of your homeowner's or auto insurance policies. |
Business Insurance | Auto-Owners Insurance Co has a variety of coverage to suit your company's needs, including commercial vehicle and property insurance, workers' compensation, bonds, loss control and a commercial umbrella. |
Agricultural Insurance | With Auto-Owners Insurance Co, you can get the coverage you need for your farm and property at a price you can afford. |
Recreational Vehicle Insurance | If you own a motorbike, ATV, motorhome or other types of vehicle, you may want to consider purchasing an Auto-Owners Insurance Co product to safeguard it. |
Pet Insurance | Get pet insurance that covers injuries and illnesses for your pets as well as optional extras like GPS tracking and pet reminders. |
Methodology
To evaluate Auto-Owners Insurance Co as a homeowners insurance company, MoneyGeek analyzed the Auto-Owners Insurance Co website, manually collected quotes and consulted consumer intelligence organizations such as J.D. Power, the NAIC and AM Best.
About Mark Fitzpatrick
Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
sources
- Atlas Magazine. "AM Best rating scale." Accessed April 29, 2022.
- Auto-Owners Insurance. "Auto Insurance." Accessed April 29, 2022.
- Auto-Owners Insurance. "Life Insurance." Accessed April 29, 2022.
- Auto-Owners Insurance. "Policies to Meet Your Needs." Accessed April 29, 2022.
- Auto-Owners Insurance. "Simple human sense." Accessed April 29, 2022.
- Auto-Owners Insurance. "Ways to Save." Accessed April 29, 2022.
- J.D. Power. "2021 Home Insurance Study." Accessed May 25, 2022.