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Since its establishment in 1916, Auto-Owners Insurance Group has continued to sell insurance exclusively through a network of local independent agents across 26 states. Recognized for top-tier financial strength by major rating agencies (including an AM Best A++ Financial Strength Rating), Auto-Owners remains a financially stable option serving millions of policyholders.
Auto-Owners takes a self-proclaimed “No Problem” attitude to claims. Industry benchmarks in 2024 show that claims satisfaction across insurers has been pressured by longer repair and settlement timelines, making proactive communication and clear expectations especially important. Although service is only available in 26 out of the 50 U.S. states, those with access to Auto-Owners policies can expect agent-driven support and a broad assortment of customization options.
Auto-Owners Home Insurance Overview
- In business since: 1916
- AM Best Financial Strength Rating: A++ (Superior)
- States served (availability): 26
Independent rating agencies consistently view Auto-Owners as financially strong, and major insurance sector outlooks for 2025 remain broadly stable across agencies. Popularity rankings such as the most popular insurance brands are only one lens and may not fully reflect regional carriers. The BBB gives Auto-Owners an A+ rating overall, while customer reviews on BBB and other platforms vary, with many comments—positive and negative—centered on claims handling and timeliness.
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Auto-Owners Home Insurance Highlights
Pricing
Since Auto-Owners only offers policies through its network of independent agents and brokerage partners, policy prices will vary by agency and location. The price of your policy will also depend on your home’s age, size, condition, and coverage options. Industrywide, homeowners rates rose in recent years amid higher catastrophe losses and rebuilding costs, though conditions started to stabilize heading into 2025.
To minimize costs, policyholders can reduce coverage limits, cut policy add-ons, increase deductible amounts, or take advantage of the many Auto-Owners discount options. Find the best balance of cost vs coverage levels by talking with one of Auto-Owners many local agents. Mitigation upgrades (for example, qualifying water shutoff devices) and peril-specific deductibles are increasingly common ways to manage premiums; availability varies by state.
Customer experience
Recent J.D. Power studies in 2024 report that property claims satisfaction across the industry has been constrained by longer repair and settlement timelines, with communication quality a key differentiator. The National Association of Insurance Commissioners (NAIC) Complaint Index remains a useful benchmark for comparing carriers by state; review the latest index for the companies you’re considering.
Auto-Owners Insurance emphasizes a simple online claims process and a “No Problem” approach when servicing claims. The insurer’s stated priority is to pay everything owed on every claim as quickly as possible, pairing digital tools with hands-on agent support for more complex losses.
Coverage
Auto-Owners home insurance policies offer a comprehensive suite of standard and optional coverages. A basic policy provides coverage for your home, additional structures on your property, your personal possessions, your liability to guests and others while on your property, medical coverage for those who are injured while at your home, and additional living expenses if you incur a loss.
Beyond the basic coverages, Auto-Owners also allows you to add optional coverage types at an additional cost:
- Guaranteed Home Replacement – Give yourself peace of mind and ensure that the full replacement cost of your home will be covered at the time of a loss, even if your standard coverage limit is too low.
- Water Backup of Sewers – Most policies won’t cover any damages to your home if your drains back up into your home. With this optional coverage, you can choose from several limit levels to cover water damages in the event of a backup.
- Special Personal Property – Many insurance providers have limits on the amount of personal property damages that can be claimed for high-value items, such as art, jewelry, or collectibles. Add this special coverage to increase your limits on named high-value items.
- Ordinance or Law Coverage – When a claim occurs, sometimes recovery isn’t as straightforward as making the necessary repairs. If local ordinances require you to make additional changes to non-damaged property to comply with building codes, this policy add-on has you covered.
- Homeowners Plus – Build on your standard policy by adding a coverage “plus” package that protects against several common risks, including food spoilage from power failures and damage from appliance leaks.
- Equipment Breakdown – Many homeowners purchase a home warranty plan to cover major appliances and home systems, such as HVAC units. With Auto-Owners Equipment Breakdown coverage, you can get coverage comparable to a home warranty added into a single homeowners insurance policy.
- Identity Theft Expense – Identity theft is a common risk for adults, and repairing your identity if it is stolen is a time-consuming and costly process. Auto-Owners’ identity theft coverage provides expense reimbursement that commonly extends up to $25,000; limits and availability vary by state and policy.
Deals, discounts, and add-ons
Auto-Owners offers a variety of ways to save on your home insurance policy every month. In addition to traditional discounts for bundling multiple coverage lines or prepaying your annual policy, Auto-Owners offers several unique ways to save money that aren’t available through other providers. Discounts are available for traditional safety features, such as smoke detectors and alarm systems, but Auto-Owners also offers discounts for non-traditional safety features, such as whole-home water shut off valves and automatic backup generators. Auto-Owners also offers discounts for responsible policy management, such as using paperless billing, paying on-time premiums, or owning your home mortgage-free. You can find more ways to save on our guide to lower your home insurance premium.
The Competition
| Providers | Reviews.com Score | AM Best | J.D Power |
| Auto-Owners | 4 | A++ | 826 |
| Amica | 4.25 | A+ | 845 |
| Allstate | 4 | A+ | 814 |
| USAA | 4 | A++ | 878 |
| State Farm | 3.75 | A++ | 831 |
| Progressive | 3.75 | A+ | 809 |
| Liberty Mutual | 3.25 | A | 792 |
| Farmers | 3.5 | A | 808 |
*Key financial strength and satisfaction context have been refreshed using current industry sources; verify the latest AM Best ratings and 2024 J.D. Power study results for your region.
The Bottom Line
With its strong financial strength ratings and variety of customization options, Auto-Owners can provide robust coverage, including for higher-value homes. While individual experiences vary and claims satisfaction industrywide has faced headwinds, regulator complaint data and third-party benchmarks can help you compare carriers. If you’re in one of the 26 states where Auto-Owners policies are available, it’s worth exploring your home insurance options with a local independent agent.
