Auto-Owners Insurance review

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Auto-Owners Insurance offers auto, home, and life insurance through nearly three million policyholders. There are 48,000 independent agents across 26 states. Headquartered in Lansing, Michigan, Auto-Owners has been in the insurance business for more than 100 years. In addition to offering insurance products for business owners and annuities for retirement income, the insurer also offers long-term care coverage that covers end-of life needs.

Auto-Owners does offer personal property coverage but may not be the right fit for every homeowner or driver. These are some of the drawbacks and advantages that could affect your decision making process when searching for insurance providers.

Auto-Owners car coverage

In most states, drivers are required to have car insurance to legally operate a vehicle. Auto-Owners provides all the coverages that automobile owners need, including optional comprehensive and collision coverage as well as standard coverages for liability and collision. There are also a variety of coverages available to cover sports and recreational vehicles. Auto-Owners offers a wide range of auto coverages. They also offer a variety of discounts to help you reduce your premium.

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Types of coverage

Auto-Owners offers all the standard coverages that are required or optional, including:

  • Additional expenses coverage
  • Property damage and bodily injury coverage
  • Coverage with diminished value
  • Collision coverage
  • Comprehensive coverage
  • Protection against loan/lease gap
  • Roadside assistance coverage
  • Uninsured/underinsured motorist coverage

Many active motorists today require coverage for multiple types of vehicles. Auto-Owners can provide you with the following:

  • Insurance for ATVs and Off-road Vehicles
  • Boat insurance
  • Classic car insurance
  • Insurance for modified or converted vehicles
  • Insurance for motorcycles
  • Insurance for motorhomes and campers
  • Trailer insurance

Auto-Owners offers its car insurance policyholders a few extra benefits that other providers do not. If you are in an accident with another policyholder of Auto-Owners, the carrier will waive your collisiondeductible. Auto-Owners will also pay the claim payment to your collision insurance or comprehensive insurance if you are involved in an accident with another policyholder.

Some drivers require more coverage than a standard policy. For drivers who want maximum protection, Auto-Owners offers its Personal Automobile Plus Package. The package offers 10 additional coverages in addition to the standard ones, such as identity theft coverage or personal property coverage to cover the cost of replacing items like your smartphone.

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Get Discounts

Auto-Owners gives its policyholders multiple discount opportunities to save money on their car insurance premiums, including:

  • Advance quote discounts
  • Favorable loss history discounts
  • Good student discounts
  • Multi-policy Discounts on Life Insurance
  • Multi-car discounts
  • Multi-policy Discounts
  • Discounts for paid-in-full
  • Paperless billing discounts
  • Discounts for payment history
  • Discounts on safety features
  • Students away from school get discounts
  • Teen driver monitoring discounts

Home insurance for Auto-Owners

Homeowners insurance does much more than pay to rebuild your home after a disaster. Comprehensive homeowners insurance can help you cover the cost of replacing your personal items, paying some of your living expenses if you are forced to move due to a covered loss, and covering legal fees if you are sued for damages caused by an accident on your property. All homeowners require coverage. The standard Auto-Owners homeowners policies provide all that homeowners need. Auto-Owners offers additional coverages, such as a premium option that covers everyday, minor disasters that you wouldn’t normally have to pay out of pocket.

Types of coverage

Standard Auto-Owner home policies include all the coverages many homeowners need, including:

  • Additional living expenses coverage
  • Dwelling coverage
  • Coverage for medical payments to other people
  • Coverage for other structures
  • Personal liability coverage
  • Personal Property Insurance
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Auto-Owners also offers homeowners additional protection. These include:

  • Equipment breakdown coverage
  • Guaranteed home replacement cost coverage
  • Insurance coverage for identity theft
  • Coverage for the law of ordinance
  • Water backup coverage

Optional personal property coverage can be purchased by homeowners who require greater coverage. This pays for the repair or replacement of stained items, as well as covering lost and stolen belongings.

Auto-Owners’ optional Homeowners Plus coverage covers losses that your standard policy might exclude. The coverage may cover spoiled food due to an extended power outage, or personal property such as a dining room set that has been damaged by a leaky appliance.

Get Discounts

Auto-Owners’ policyholders can save on their premiums by taking advantage of the provider’s outstanding discount programs, including:

  • Automatic backup generator discounts
  • Advance quote discounts
  • Favorable loss history discounts
  • Multi-policy Discounts on Life Insurance
  • Mortgage-free discounts
  • Multi-policy Discounts
  • Discounts for payment history
  • Discounts for paid-in-full
  • Paperless billing discounts
  • Protective devices discounts
  • Discounts on water shut-off systems

Auto-Owners Life Insurance

A life insurance policy can be a great way to safeguard your family’s financial future. Life insurance is a great way to protect your family’s financial future in the event of your death. It can replace your income and allow your surviving relatives to live a normal life. Auto-Owners offers the three most popular types of life insurance, and if you purchase a life insurance policy and Auto-Owners home or car insurance, you will qualify for a life multi-policy discount.

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Types of coverage

Term life insurance

Auto-Owners term life policies let you choose among 10-, 20- and 30-year terms. While many life insurance companies won’t cover you beyond the age of 80 Auto-Owners policies can provide coverage until age 95. Term life policies do not accumulate a cash value, but if you die unexpectedly during the policy term, term life policies could help your kids achieve their educational goals, and may help your surviving spouse cover your home’s mortgage.

Universal life insurance

Universal life insurance coverage offers more flexibility and provides a death benefit, while building a cash value. With an Auto-Owners universal life policy, you can adjust the amount of coverage, your payment schedule and the amount of your premium as your needs change. If you have children, you can adjust your policy’s death benefit to increase or decrease it. Auto-Owners allow you to add secondary insureds onto a single policy. This allows you to buy one policy that covers all members of your family.

Whole-life insurance

Auto-Owners’ whole life policies provide dependable coverage up to age 110. Traditional life insurance policies build a cash value that you can borrow to pay for unexpected expenses or to purchase a home. Best of all, an Auto-Owners whole life policy provides the same death benefit if the insured dies at the age of 40 or 102.

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Ratings, reviews, complaints, and satisfaction of Auto-Owners

Auto-Owners has received high ratings from both policyholders as well as institutions over the years. Some notable industry ratings include:

J.D. Power Auto Insurance Study: The carrier ranked first in the central region in the 2020 J.D. Power U.S. Auto Insurance Study is above the regional average for the northeast and southeast regions. The 2019 J.D. Power U.S. Auto Claims Satisfaction Study, Auto-Owners ranked seventh, with an overall customer satisfaction index score of 870 out of 1,000.

J.D. Power Home Insurance Study: The Auto-Owners shine in the homeowners market. The 2019 J.D. Power U.S. Home Insurance Study, the provider ranked fifth in the industry, with an overall customer satisfaction index score of 826 out of 1,000. The 2020 J.D. Power U.S. Property Claims Satisfaction Study, Auto-Owners Insurance ranked #4 in the industry, with an overall customer satisfaction index score of 889 out of 1,000.

J.D. J.D. Power U.S. Insurance Shopping Study, Auto-Owners ranked #5 in the mid-sized insurance carriers category, with an overall customer satisfaction index score of 869 out of 1,000.

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The National Association of Insurance Commissioners (NAIC) Complaint Index: The NAIC has received just 74 complaints against Auto-Owners Insurance. This insurer has a 0.157 NAIC complaint rating. This is far lower than the national average.

AM Best: Credit rating agency that gives A++ financial rating to Auto-Owners.

Why Auto-Owners are a great choice

Dedicated agents: Auto-Owners sells its products solely through independent agents, allowing policyholders within its service area to enjoy the individual attention of a local representative. You can rely on a dedicated agent when it comes time to file a claim.

Full-service: Auto Owners provides one-stop shopping for auto, home, and life insurance policies. Small business owners can also use Auto-Owners to get their commercial and business automobile coverages. They also offer workers compensation and umbrella insurance policies.

Many discounts and options available: Auto-Owners offers a variety of discounts to homeowners and auto policyholders. College and high school students who make good grades can earn up to a 20% discount on car insurance and can save even more if they enroll in Auto-Owners’ teen driver monitoring program and maintain good driving habits. Life insurance policyholders may be eligible for a multi-policy discount on Auto-Owners home and car insurance.

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Farmers are covered by Auto-Owners Insurance. The insurer’s standard farm insurance policies protect your farmhouse with many of the same coverages offered in its homeowners policies, but also include equipment breakdown, service line water and backup coverages. Farmers can choose from various optional coverages to cover livestock and detached farm buildings.

Auto-Owners also offers additional policies

Auto-Owners Insurance offers a wide range of coverages including:

  • Insurance for businesses
  • Commercial auto insurance
  • Commercial umbrella insurance
  • Condo insurance
  • Insurance for disabled people
  • Farm insurance
  • Flood insurance
  • Landlord insurance
  • Mobile home insurance
  • Personal umbrella insurance
  • Pet insurance
  • Insurance on valuable items

Questions frequently asked

How can I file an Auto-Owners claim?

You can file a car insurance claim by contacting the independent agent who manages your Auto-Owners auto insurance policy. You can also contact Auto-Owners’ claims center if your agent is not available.

What does Auto-Owners roadside assistance coverage include?

Your standard Auto-Owners car insurance policy includes roadside assistance. Roadside assistance is available 24 hours a day, seven days a week for any type of service such as a tire change or oil delivery, locksmith service or a jump start or towing.

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Flood damage is covered by standard Auto-Owners homeowner insurance policies?

No. Auto-Owners allows you to purchase flood insurance for your home and commercial buildings. Flood insurance covers your home, major systems, and detached structures.