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Auto-Owners Insurance

in Flood Insurance

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Auto-Owners Insurance

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in Flood Insurance

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Overview

Where does Auto-Owners Insurance do business?

Auto-Owners Insurance is an insurance carrier based in Lansing, MI. The company was founded in 1916 and offers flood insurance in 30 states in the USA. Flooding is the number oner natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage. 

What types of coverage does Auto-Owners Insurance offer?

Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage. Auto-Owners Insurance only offers federal flood insurance policies..

NFIP Flood Coverage: Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000.

  • Dwelling Coverage: Also called "dwelling insurance." This is the part of your flood insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home. Federal flood insurance has a maximum coverage of $250,000. If you have a mortgage, your lender may require you to apply for excess flood coverage.

  • Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them. Federal flood insurance through the National Flood Insurance Progam maxes out at $100,000. If that doesn't cover the value of your personal property, consider buying excess flood coverage.

Auto-Owners Insurance customers can also add the following riders or endorsements to their home insurance policies:

  • Valuable Items: Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.

How can you save money on a Auto-Owners Insurance home insurance policy?

When you ask for a quote with Auto-Owners Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available. 

  • Flood Zone Designation: The Federal Emergency Management Agency (FEMA) creates flood zone maps that estimate the risk a property will be affected by flooding.
  • Freeboard (Property Elevation Above BFE): Homewoners who elevate their homes above the base flood elevations (BFEs) pay lower premiums. For example, adding a 2-feet elevation to a home could reduce your flood insurance premiums by more than $1,000 a year.
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    Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Auto-Owners Insurance.

    What additional benefits does Auto-Owners Insurance offer?

    Auto-Owners Insurance offers the following benefits to its customers:

    • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

    What is the financial strength rating of Auto-Owners Insurance?

    The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies.  SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

    Auto-Owners Insurance scores an A+, SuperMoney's highest available rating.

     

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Availability

    Available in 30 states
    • Alabama
    • Arizona
    • Arkansas
    • Colorado
    • Florida
    • Georgia
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Maine
    • Massachusetts
    • Michigan
    • Minnesota
    • Missouri
    • Nebraska
    • New Hampshire
    • North Carolina
    • North Dakota
    • Ohio
    • Pennsylvania
    • South Carolina
    • South Dakota
    • Tennessee
    • Utah
    • Vermont
    • Virginia
    • Wisconsin

    Feature Breakdown

    Policy Discounts
    • Claims Free
    • Higher Deductibles
    Property Discounts
    • Flood Zone Designation
    • Freeboard (Property Elevation Above BFE)
    Home and Renters Insurance Riders
    • Flood Coverage (Federal)
    • Valuable Items
    Financial Strength Rating
    • A+
    Carrier Features
    • Locally Available Agents
    Home and Renters Insurance
    • Debris Removal
    • Dwelling Coverage
    • Personal Property Protection

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