Last Updated: 10/30/2025
SuperMoney User Recommendation Score +91
Strongly recommended11 total votes
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Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
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Auto-Owners Insurance Homeowners Review
Auto-Owners Insurance Homeowners is an insurance carrier based in Lansing, MI. The company was founded in 1916 and offers home insurance in 26 states in the USA.
Auto-Owners Insurance Homeowners FAQ
What is the financial strength rating of Auto-Owners Insurance Homeowners?
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 Homeowners scores an A+ financial strength rating, SuperMoney's highest available rating.
What types of coverage does Auto-Owners Insurance Homeowners offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Auto-Owners Insurance Homeowners offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
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.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
Auto-Owners Insurance Homeowners customers can also add the following riders or endorsements to their home insurance policies:
Equipment Breakdown Protection:
This protects from loss due to a mechanical or electrical breakdown of nearly any type of equipment, including photocopiers and computers. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Sewage and Drain Backup Coverage:
This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.
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 Homeowners home insurance policy?
When you ask for a quote with Auto-Owners Insurance Homeowners, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Security or Protective Devices
- Deadbolt Locks on Exterior Doors
- Fire Extinguisher in the Home
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Auto-Owners Insurance Homeowners.
What additional benefits does Auto-Owners Insurance Homeowners offer?
Auto-Owners Insurance Homeowners offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday8:00AM - 4:30PMTuesday8:00AM - 4:30PMWednesday8:00AM - 4:30PMThursday8:00AM - 4:30PMFriday8:00AM - 4:30PMSaturdayClosed
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SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +91, or 4.8 on a 5-point rating scale.
+91
-1000+100
No one recommends
Everyone recommends
Auto-Owners Insurance Homeowners Community Reviews
Would you recommend Auto-Owners Insurance Homeowners to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
This is a great auto insurance company. They are easy to work with and always available when I need to speak to them. I had good experiences with them in the past when I have encountered issues.
AH
Alissa H.
Nov 14, 2022
May or may not recommend
I was directed to Auto-Owners Insurance when I contacted my Insurance Broker just hours before a big storm was about to hit our town. Im young, live alone, and im terrified of thunderstorms so its safe to say I was extremely paranoid. Anyway, Auto-Owners was able to hook me up with insurance for my mobile home right over the phone! Their rates are outrageously affordable, especially for all that is ...Show More
DS
Daniel S.
May 16, 2022
May or may not recommend
I used to have insurance through auto-owners and I can honestly say that they took very good care of me. They respected me as a customer and treated me as more than a dollar sign. I highly recommend them. They will take care of your auto for you.
Vanessa J.
Apr 12, 2022
May or may not recommend
I have read into the company for a bit of time and I approve of their quality of service. They do well by their customers and do not have alarming high rates.
MP
Marianna P.
Mar 19, 2022
May or may not recommend
From what I've heard about Auto-Owners Insurance Homeowners, they are a company that honors honesty, integrity, and 100% customer satisfaction. I've had family and some friends recommend this auto insurance company to me and I assure once I get a car, I will be looking to them for help in the future.
AC
Alyssa C.
Jan 8, 2022
May or may not recommend
This is a great auto insurance company. They are easy to work with and always available when I need to speak to them. I had good experiences with them in the past when I have encountered issues.
SM
Sarah M.
Oct 2, 2021
May or may not recommend
“I had a fantastic experience with the guys at Auto-Owners Insurance Homeowners. Their insurance offers are delightful. And while I tried reaching out on all they have in place, they were always willing to go the extra mile. You may probably have to check if they are available around you as I had to deal with such. But it was a satisfactory all-round experience and I am sure you wouldn’t ...Show More
Zavion H.
Oct 1, 2021
May or may not recommend
With Auto-Owners, you can protect the things you own, bringing peace of mind to your family. they offer homeowners insurance options to fit your needs. Find out how much you could save with our competitive rates.
Hannah M.
Aug 11, 2021
May or may not recommend
This insurance company is great for those who need more than one insurance policy. Having more than one makes for many discounts and bundles. The only downside to this insurance company is it’s only offered in 26 states.
SL
Salim L.
Jul 16, 2021
May or may not recommend
appreciate the discounts, brilliant offers and marvelous customer service. You may read the complete information about everything they are offering in their package before reaching out. Though they never mind guiding you over and over again about their policies and stuff.
SH
Sally H.
Apr 10, 2021
May or may not recommend
I've had a fantastic experience with them, and I'll be forever grateful for their excellent contact and high-quality facilities.
Showing 11 of 11 reviews