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 experience differs depending on your location, home value and coverage needs.

What a homeowner pays with Auto-Owners depends 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 further, from $121 monthly at $100,000 in dwelling coverage up to $712 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 ranks among our top picks for cheap homeowners insurance, with the base rate for $250,000 in dwelling coverage at 42% below the national average at $198 monthly.

What a homeowner pays with Auto-Owners depends on state, city and even street address. For $250,000 in dwelling coverage, Iowa averages $143 monthly. Alabama averages $298 monthly for the same profile. Iowa's lower cost reflects reduced severe weather risk and more modest rebuilding costs. Alabama's higher cost reflects proximity to hurricane paths and greater storm exposure. The table shows every state where MoneyGeek collected 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 for homeowners looking to bring their premium down. Several 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. These are most useful for homeowners who have put money into safety infrastructure. The Mortgage-Free and Payment History discounts apply to homeowners who own their home outright or have a clean billing record. Both offer additional ways to reduce the rate without extra cost.

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

Auto-Owners offers nine endorsements that cover both the coverage shortfalls most standard policies leave open and risks that have become more relevant in recent years, like cyber fraud or inland flooding. Availability depends on where you live. 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.

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

Auto-Owners scores 3.87 for coverage, higher than Amica's 3.63 and Farmers' 3.47. Its overall value comes from a balance of below-average pricing, high customer experience scores and more coverage options than these two competitors.

Auto-Owners is the right choice for homeowners who want a low premium and reliable claims support over policy flexibility. It earns a 4.71 out of 5 and ranks third nationally. At $2,372 annually for $250,000 in dwelling coverage, it prices 42% below the national average. Its 4.82 out of 5 customer service score comes from a carrier that handles claims well through a local agent network. Coverage options score 3.87 out of 5. Availability is limited to 26 states. Homeowners who need more endorsement variety or live outside that footprint will find better options elsewhere.

The following questions cover Auto-Owners' overall rating, pricing and customer service performance.