Auto-Owners Insurance Co Homeowners Insurance Review: Service, Cost & More

Based on client experience, financial stability and affordability, MoneyGeek's Auto-Owners Insurance Co homeowners insurance review gives the company an overall score of 84 out of 100. Due to its potential for guaranteed replacement cost coverage, it could be a wise pick for homeowners.

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Last Updated: 9/21/2022
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pros

This is an iconWide range of discounts
This is an iconLow consumer complaint rate
This is an iconCustomers can make automatic payments online

cons

This is an iconNo online quote tool
This is an iconOnline claims submission unavailable
This is an iconNot 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?

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.

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

Auto-Owners Insurance Co

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.

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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.

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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.

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  • Dwelling Coverage
    Annual Premium
  • 100,000
    $2,445
  • 250,000
    $3,729

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.

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Home Insurance Calculator

State

Alabama

Dwelling Coverage

$100,000

Deductible

$500

Liability

$300,000

Personal Property

$20,000

Credit Score

Excellent
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low end

on average

high end

These are annual estimates. Get a personalized quote to determine your costs.

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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.

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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.

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.

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 the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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