Auto-Owners Insurance Homeowner’s Policy Review

Company Overview

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Auto-Owners Insurance is among the leading property and casualty insurance companies in the United States. It was founded in 1916 by Vern V. Moulton. The company is headquartered in Lansing, Michigan and offers coverage in 26 states through a network of over 35,000 independent agents from over 6,000 independent insurance agencies. The states include Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia and Wisconsin.

Mr. Moulton started his insurance company in one room of a bank building. In the early days, the company wrote only automobile insurance. In the 1940s Auto-Owners Insurance entered the casualty insurance marketplace and began offering personal property and commercial casualty coverage including homeowner’s insurance, life insurance, car insurance and business insurance. The company operations are comprised of one life/health/annuity insurer and five property and casualty companies. The CEO is Jeffery F. Harrold. Auto-Owners Insurance has annual revenue of over $4 billion and is on the Fortune 500 list. There are over 3,000 employees who work in more than 65 locations throughout the United States.

Financial Strength and Customer Satisfaction

You can depend on the financial strength of Auto-Owners Insurance. Insurance rating organization A.M. Best gives the company a financial strength rating of A++ (Superior). According to a customer survey by, 97 percent of homeowner’s insurance customers plan on renewing coverage for the next policy term. The customer survey also shows an 87.9% overall customer satisfaction rating. This combined rating tallies scores for claims and customer service, percent of customers who plan to renew, the price and policy value and the percent of customers who would recommend the company to others.

Auto-Owners Insurance received the highest claims satisfaction reward from J.D. Power and Associates for the years of 2008 to 2011. Weiss Rating organization gives Auto-Owner’s Insurance an A (Excellent) rating. The S & P financial strength rating is AA.

Better Business Bureau Rating

Auto-Owners Insurance became a BBB accredited business in 2016 and has an “A+” rating. The company has 3.98 out of 5 star BBB composite score based on 13 customer reviews and 88 total customer complaints. The complaints were in the following categories:

  • Advertising/Sales Issues: 27
  • Billing/Collection Issues: 10
  • Guarantee/Warranty Issues: 1
  • Problems with Product/Service: 50

Homeowner's Policy

Auto-Owners Insurance offers a homeowner’s policy to customers through its network of independent agents. There are over 35,000 independent agents who service 26 states. The company has a customer center where you can enroll in billing services and make payments online as well as view your policy and billing information. For customers who choose to save paper and utilize the company’s online services, you can receive the “green insurance discount.” You can purchase several types of optional coverage in addition to the homeowner’s policy:

  • Boats
  • Earthquake
  • Back-up of sewer or sump pump
  • Food spoilage after power outage
  • Snowmobiles
  • Personal computers
  • Golf or other sports equipment
  • Jewelry
  • Personal umbrella liability
  • Identity theft

Homeowner’s Discounts

As a customer of Auto-Owners Insurance, you have many great reasons to buy a homeowner’s policy including these discounts:

  • Seasonal dwellings
  • 100% replacement cost
  • Multiple policy discounts
  • Dwellings under construction
  • Renovated or new home
  • Mature home owners and renters
  • Premium paid in full discount
  • Protection devices including smoke alarms, fire extinguishers and deadbolt locks

From the company website, policyholders can make a payment, find policy documents, report a claim or find contact information for their local agent.

Pros and Cons


  • Affordable Insurance Premiums
  • Excellent Financial Stability
  • Variety of Homeowner’s insurance discounts
  • Award-Winning Claims Services


  • Policy change requests are not processed online, but through contacting a local agent.
  • No BBB Accreditation
  • You cannot purchase a policy online

Company Contact Information

For more information about Auto-Owners Insurance’s homeowner’s policy, other insurance products or to receive a quote, you can visit the Auto-Owners Insurance website, or call (517) 323-1200. You can also use the agent locator to find an independent insurance agent in one of the many offices located in 26 states.