Auto-Owners Mobile Home Insurance Review

Auto-Owners Mobile Home Insurance is an insurance carrier based in Lansing, MI. The company was founded in 1916 and offers mobile home insurance in 30 states in the USA.

What is the financial strength rating of Auto-Owners Mobile Home 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 Mobile Home Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.

What types of coverage does Auto-Owners Mobile Home Insurance offer?

Mobile home insurance includes a wide range of coverages. One of the best ways to saving money on your manufactured home insurance is to only pay for the coverage you need. Auto-Owners Mobile Home Insurance offers the following types of mobile 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 Mobile Home Insurance customers can also add the following riders or endorsements to their mobile home insurance policies:

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 Mobile Home Insurancepolicy?

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

• Deadbolt Locks on Exterior Doors
• Fire Extinguisher in the Home
• Smoke Detectors

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Auto-Owners Mobile Home Insurance.

What additional benefits does Auto-Owners Mobile Home Insurance offer?

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

Local Agents:

Perfect for people who prefer the personal touch of a local insurance agent.