Auto-Owners Home Insurance Review (2026)

*Scores are based on a 2,500-square-foot home, a $250,000 dwelling protection coverage and a $1,000 deductible. These results are based on a standard homeowner profile. Your individual experience differs depending on your location, home value and coverage needs.

What a homeowner pays with Auto-Owners depends a lot on the home itself: newer homes average $152 monthly for $250,000 in dwelling coverage, while older homes on the same profile average $203 monthly, a $51 monthly difference that adds up to over $600 each year. How much coverage a homeowner needs also changes the rate even more, from $120 monthly at $100,000 in dwelling coverage up to $711 monthly at $1,000,000, but it still stays below the average cost of home insurance at every level. 

For homeowners in the 26 states where Auto-Owners writes policies, it consistently ranks among the top picks for cheap homeowners insurance, with the base rate for $250,000 in dwelling coverage sitting 42% below the national average at $197 monthly.

What a homeowner pays with Auto-Owners can look very different depending on where they live. Iowa comes in at $142 monthly for $250,000 in dwelling coverage because severe weather risk is lower than much of the country and rebuilding costs are more modest, while Alabama costs $298 monthly on the same profile because it sits closer to hurricane paths and carries higher storm risk overall. Location changes the rate as much as the coverage level itself, and the table below shows how the numbers change in states where we could get Auto-Owners data.

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 offers 13 discounts, a lot of options for homeowners looking to bring their premium down. A good number of discounts reward homeowners who have already invested in making their home safer rather than just their relationship with the insurer. Note that availability of discounts can change by state. Ask an agent in your area about what's available to you.

The Water Shut-Off System discount, the Automatic Backup Generator discount, and the Protective Devices discount all recognize specific home improvements that reduce real risk, making them most useful for homeowners who have put money into safety infrastructure. The Mortgage-Free and Payment History discounts round out the list for homeowners who own their home outright or have a clean billing record, giving them additional ways to reduce the rate without any new outlay.

Auto-Owners policies include the six standard types of home insurance coverages found in most home insurance plans:

Auto-Owners offers nine endorsements, a solid range that covers both the coverage shortfalls most standard policies leave open and risks that have become more relevant in recent years. Availability depends on where you live, so make sure to ask your agent about options in your area.

Guaranteed Home Replacement Cost is one of the more valuable options for homeowners in older or higher-cost markets, since it pays the full cost to rebuild even when that figure exceeds the policy limit, and Ordinance or Law Coverage handles the added cost of rebuilding to current building codes, a requirement that catches many homeowners off guard after a loss. Inland Flood Coverage for low-to-moderate risk zones and Water Backup of Sewers or Drains both address water-related losses that standard policies almost universally exclude, making them worth serious consideration for homeowners in areas where either risk is present.

Standard homeowners insurance from Auto-Owners does not cover every type of loss or damage. These are a few events that are often excluded:

MoneyGeek compared Auto-Owners against Amica and Farmers for affordability, customer experience and coverage options. Auto-Owners charges $2,372 yearly. That's $947 less than Amica and $413 less than Farmers. Its customer experience score of 4.82 nearly matches Amica's leading 4.91 rating.

Auto-Owners scores 3.87 for coverage. Both competitors beat that. You get fewer policy customization options. But low cost and excellent service make it attractive if you value affordability and claims satisfaction over extensive endorsement options.

Auto-Owners has a MoneyGeek score of 4.71 out of 5. It ranks third nationally for affordability, customer experience and coverage balance. You'll pay $2,372 yearly for $250,000 in dwelling coverage on average. Rates vary by state and policy details.

Add optional coverages like guaranteed home replacement cost and home cyber protection for extra security. Save money with paid-in-full and green discounts if you qualify.

We answer common questions about Auto-Owners home insurance: