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Don’t let the name fool you. Auto-Owners Insurance covers much more than cars. In fact, Auto-Owners homeowners insurance is among NerdWallet’s Best Homeowners Insurance Companies for 2021.
Auto-Owners Insurance offers many ways to save on your premium, with discounts for things like burglar and fire alarms and a history of paying your premiums on time. The Homeowners Plus add-on includes coverage for appliance leaks that lead to property damage and wasted food in the event of a power failure.
Specialty coverage for high-value homes and equipment breakdown is also available.
Auto-Owners home insurance at a glance
Auto-Owners home insurance earned 5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.
Auto-Owners home insurance pros and cons
Auto-Owners home insurance complaints
Auto-Owners had fewer than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)
Auto-Owners home insurance state availability
Auto-Owners home insurance is available in 26 states.
Auto-Owners home insurance coverage
The Auto-Owners homeowners insurance policy has all the usual coverage, plus several coverage options you can add on to your standard policy:
- Guaranteed home replacement cost in case your dwelling coverage isn’t enough to repair or rebuild your home.
- Water backup for damage caused by backed up sewers or drains.
- Special personal property helps repair or replace your personal items in situations not normally covered by homeowners insurance, like misplacement or stains.
- Ordinance or law pays when you spend more to bring your home up to current codes following a covered event.
- Homeowners Plus helps cover damage from appliance leaks and spoiled food after a power outage, among other things.
- Equipment breakdown for electrical or mechanical failure of appliances in your home, such as HVAC units or even personal computers.
- Identity theft expense for costs up to $15,000 related to restoring your identity after it has been stolen.
Auto-Owners home insurance rates
Auto-Owners’ average home insurance rate is $1,676 per year, according to a NerdWallet analysis. That makes Auto-Owners the cheapest option among large insurers who offer homeowners policies in the same states.
Here’s how Auto-Owners’ average home insurance rate stacks up to the competition:
Auto-Owners home insurance discounts
Auto-Owners offers many discounts, several of which can be obtained with little or, in some cases, no effort based on your previous insurance history. These include:
- Green discount if you choose paperless billing and online payments.
- Favorable loss history if you haven’t made a large number of claims in the past.
- Payment history if you’ve paid premiums on time over the past three years.
Discounts are also available for bundling your home insurance policy with certain Auto-Owners insurance products, paying your entire annual premium up front and installing protective devices like deadbolt locks and smoke detectors.
Auto-Owners home insurance consumer experience
Website: It isn’t possible to get a home insurance quote through Auto-Owners’ website. If you live in a state where Auto-Owners provides coverage, you’ll be directed to contact one of its agents to finalize the rate. Similarly, you can only file claims by contacting an agent. However, once the claim has been filed you can track it online.
App: The Auto-Owners app is available on Android or iOS. It can be used to pay bills, track claims and view policy documents.
Auto-Owners home insurance FAQs
What other types of insurance does Auto-Owners offer?
Auto-Owners has a wide variety of insurance products, including auto insurance, renters insurance, and term and whole life insurance, among many others.
How do I file Auto-Owners home insurance claims?
To file a claim, you must contact an independent agent. Once the claim has been filed, you can track it through the Auto-Owners website or mobile app.
How do I get an Auto-Owners home insurance quote?
The only way you can get a quote for homeowners insurance with Auto-Owners is to contact one of its agents.
Homeowners insurance ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts, online experience and more. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2016-2018. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Homeowners Insurance Rates Methodology
NerdWallet averaged rates for 40-year-old men and women from five insurance companies in every ZIP code across all 50 states and Washington, D.C. Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1983. They had a $1,000 deductible and the following coverage limits:
These are sample rates generated through Quadrant Information Services. Your own rates will be different.