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Updated June 26, 2021
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Does Auto-Owners do home insurance?Yes. Auto-Owners offers home insurance policies in addition to car insurance. You can get a bundle discount when you purchase both policies through Auto-Owners.
When disaster strikes, you need homeowners insurance to help repair the damage. Auto-Owners Insurance is a well-known, reputable insurance company. Headquartered in Lansing, Michigan, it has grown to one of the largest insurers in the U.S. since its inception in 1916.
As a homeowner, you have many options for insurance coverage. Is Auto-Owners Insurance the right choice for you? Discover the types of home insurance coverages offered and how to customize your Auto-Owners policy to get the protection you need.
And if you’re looking for homeowners insurance coverage, we can help. Insurify is a simple way to compare prices. Get a dozen or more insurance quotes in minutes—without wasting time or jumping through hoops.
Auto-Owners offers over a dozen types of insurance products, including everything from homeowners and renters coverage to auto insurance, life insurance, and business insurance.
According to its website, Auto-Owners offers property insurance across these dwelling situations and insurance needs:
Homeowners insurance protects your home and family from financial ruin if disaster strikes. Whether it’s your first home or your forever home, Auto-Owners has personalized coverage options to make sure you’re protected.
A standard policy typically includes coverage for your home and its contents, as well as liability protection. Besides standard coverage, you can choose additional protection for high-value homes or equipment breakdown.
As a renter, you don’t own the property where you live. That means you don’t need insurance, right? Wrong! Your landlord’s policy will not pay to replace your things if a fire, hurricane, or other hazard destroys them.
What you need is renters insurance. Auto-Owners renters policies cover your personal property anywhere in the world. So, if your personal belongings are stolen while on vacation, you’re covered.
It also includes personal liability and medical payments insurance in the unfortunate event that someone injures themselves in your home.
Condo owners have specialized insurance needs that go far above what homeowners or renters experience. Your condo insurance, or HO-6 policy, depends on what the condo association’s master insurance policy covers.
For example, if the master policy is all-in coverage, you might not need to include dwelling insurance. But a bare walls or single entity master policy doesn’t provide as much protection.
Talk with your Auto-Owners Insurance agent about your options to help you decide which is right for you. They’ll help you make sure your condo policy has enough coverage to pay to rebuild or replace your condo unit and personal possessions.
Auto-Owners offers mobile home insurance that protects the unique needs that come with owning a mobile home. Your coverage options include a replacement or actual cash value policy, and your agent can walk you through the best choice for your situation.
Like homeowners coverage, mobile home insurance includes a garage, shed, or any other structures that you might have. You also get protection for personal property and personal liability. Optional coverages include:
Auto-Owners landlord insurance is called Rental Dwelling. It includes your rental home and any attached structures (like a garage or carport). Your policy can also cover gaps in rental income if a covered loss makes it uninhabitable while repairs are being made.
Because landlords have different needs, you have options to personalize your policy. You might add coverage for:
Standard homeowners insurance doesn’t include flood damage, but Auto-Owners can help you get flood insurance. Think you don’t need it? Consider this: 30 percent of flood insurance claims originate in low- to moderate-risk areas.
Flood insurance typically includes:
No matter what policy you have, you’ll have a cap on the coverage amount. Your insurance may not cover the cost to replace valuable items, such as jewelry, fine arts, laptops, antiques, or collectibles.
Property and valuables insurance from Auto-Owners can make sure your expensive items are covered.
No two homeowners are alike. The same is true with homeowners insurance policies. However, standard policies typically include common coverages. Auto-Owners home insurance coverages include:
Protection for your dwelling and other structures includes your home, garage, shed, pole barn, and fence.
Your policy will have a coverage limit for dwelling protection, and it determines the maximum amount your policy will pay for your other coverages. So make sure you have enough dwelling insurance to cover the rebuild cost of your home if the worst should happen.
Personal property covers your home’s contents and items you might store outside. It typically includes furniture, clothing, electronics, power tools, lawn equipment, and other things you own.
Auto-Owners covers your stuff anywhere in the world. So you have protection whether you’re at home or on vacation.
Personal liability and medical payments coverage is something most homeowners don’t think about. However, if someone hurts themselves in your home, it’s crucial to have this coverage.
For example, if your friend trips and falls down a flight of stairs, they could suffer serious injury. Personal liability can protect against lawsuits and court awards if you’re found liable.
For less severe injuries—like a sprained ankle from walking through your yard— medical payments coverage can pay for medical bills pertaining to the ankle.
Additional living expenses (ALE) is another essential coverage that may not be at the top of your mind. But think about this: If your home is destroyed to the point of being uninhabitable, where will you live, and how will you pay for it?
ALE coverage can pay for a hotel, rental, meals, and other expenses you have if you can’t stay in your home after a covered loss.