*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.
Auto-Owners Home Insurance Review
Updated: April 24, 2026
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Auto-Owners Home Insurance Ratings: MoneyGeek’s Review
Auto-Owners
MoneyGeek Rating
4.7/ 5
4.9/5Affordability
4.8/5Customer Experience
3.9/5Coverage Points
Average Annual Premium
$2,372Number of Endorsements
9Number of Discounts
12
Auto-Owners Home Insurance vs. Other Companies
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.
| Average Monthly Premium | $198 | $119 | $232 |
| Average Annual Premium | $2,372 | $1,425 | $2,785 |
| Overall MG Score | 4.71 | 4.72 | 4.31 |
| Affordability Score | 4.88 | 4.91 | 4.56 |
| Customer Experience Score | 4.82 | 4.91 | 4.26 |
| Coverage Score | 3.87 | 3.63 | 3.47 |
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:
Optional Home Insurance Coverages from Auto-Owners
Auto-Owners 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. But availability varies by state.
Auto-Owners endorsement options are in the table:
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:
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 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 role in your home insurance 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.
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 offers 13 discounts that can help homeowners lower their premiums, though availability may vary by state. The table shows 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. |
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.
- 1Figure Out How Much Coverage You Need
Know how much home insurance you need. Use a home inventory to help set the right personal property coverage limits.
- 2Request a Quote Online or Through an Agent
Visit Auto-Owners’ website or talk with an agent to get a personalized quote.
- 3Compare Different Policy Options
Look over the various coverage levels and add-ons Auto-Owners offers.
- 4Ask About Available Discounts
Talk to your agent about discounts. Auto-Owners, for example, offers savings for protective devices or water shut-off systems.
- 5Review and Finalize Your Policy
Before signing, carefully read through your policy terms, coverage limits and deductibles. Keep a copy of your policy.
Auto-Owners Homeowners Insurance Review: Bottom Line
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.
Auto-Owners Home Insurance: FAQ
We answer common 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 third 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 third nationwide. This high rating reflects consistently positive feedback and dependable support for policyholders.
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
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!
Sources
- Auto-Owners Insurance. "Coverages." Accessed December 30, 2025.
- Auto-Owners Insurance. "https://www.auto-owners.com/insurance/homeowners/ways-to-save Ways to Save." Accessed December 30, 2025.