*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: June 25, 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
13
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 endorsements homeowners can add to a standard policy, covering gaps like equipment breakdowns and cyber incidents. Availability varies by state.
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. These are a few events that are 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. At higher coverage levels, such as $1 million in dwelling coverage, the 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
Your location affects your home insurance premiums because providers weigh weather risks, rebuilding costs and state regulations when setting rates. With Auto-Owners, annual costs for $250,000 in dwelling coverage range from $400 to $5,921 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.
| State | Average Annual Premium |
|---|---|
| Alabama | $3,581 |
| Arizona | $2,540 |
| Arkansas | $5,921 |
| Colorado | $1,733 |
| Georgia | $1,640 |
| Illinois | $2,653 |
| Indiana | $3,082 |
| Iowa | $1,711 |
| Kansas | $2,493 |
| Kentucky | $2,772 |
| Michigan | $400 |
| Minnesota | $1,728 |
| North Carolina | $3,447 |
| North Dakota | $2,649 |
| Ohio | $1,761 |
| South Carolina | $3,705 |
| South Dakota | $3,274 |
| Tennessee | $2,586 |
| Utah | $2,348 |
| Virginia | $1,939 |
| Wisconsin | $1,651 |
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 to lower your premium, though availability varies by state.
Multi-Policy Discount | Saves when you hold another qualifying policy with Auto-Owners. |
Life Multi-Policy Discount | Applies when you have a qualifying life insurance policy with Auto-Owners. |
Payment History | Applies if you've paid premiums on time consistently over the past 36 months. |
Paid-in-Full Discount | Applies when you pay your annual premium in full and on time. |
Green Discount | Available when you go paperless and pay online. |
Advance Quote | Applies when you request a quote before your policy's effective date. |
Protective Devices Discount | You earn this discount when your home has smoke detectors, deadbolt locks or fire extinguishers. |
Water Shut-Off System Discount | Available when your home has a whole-home water shut-off system that automatically stops leaks. |
Automatic Backup Generator Discount | Applies if your home has an approved backup generator. |
Mortgage-Free Discount | Yours if you own your home outright with no mortgage or line of credit. |
Deductibles | Lowers your premium when you choose a higher deductible. |
Favorable Loss History | Available if you have a record of few or no past claims. |
Hurricane/Wind Mitigation Discounts | Applies if your home has construction features that protect against wind damage. |
How to Buy Auto-Owners’ Homeowners Insurance
You can buy home insurance from Auto-Owners online or through a local independent agent.
- 1Figure Out How Much Coverage You Need
Start with how much home insurance you need, then build a home inventory to nail down the right personal property limits.
- 2Request a Quote Online or Through an Agent
Visit Auto-Owners' website or contact a local independent agent for a personalized quote.
- 3Compare Different Policy Options
Review the coverage levels and endorsements Auto-Owners offers to find what fits your situation.
- 4Ask About Available Discounts
Ask your agent which discounts apply to you. Auto-Owners offers savings for protective devices, water shut-off systems and more.
- 5Review and Finalize Your Policy
Read through your coverage limits, deductibles and policy terms before signing. Keep a copy for your records.
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:
Auto-Owners earned a MoneyGeek score of 4.71 out of 5 and ranks third nationally. Its rates are competitive, customer experience scores are high and coverage options are broad, making it a reliable pick for most homeowners.
Its 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.
Auto-Owners scores 4.82 out of 5 for customer experience and ranks third nationwide. Policyholders report consistently positive interactions and dependable support.
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 spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is 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.