Orlando Harmon
Auto-Owners Insurance offers a range of insurance products, including auto, home, life, and business insurance. The company was founded in 1916 and is currently headquartered in Lansing, Michigan. Auto-Owners Insurance is available in 26 states and works with independent agents to provide local, personalized expertise and award-winning claims service. The company offers competitive rates with several discounts available and has received excellent ratings for customer service. In addition to standard home insurance coverage, Auto-Owners also offers optional coverages such as guaranteed home replacement cost, water backup of sewers or drains, special personal property coverage, and home cyber protection.
What You'll Learn
Homeowners insurance coverages
Homeowners insurance coverage protects your house and your possessions against damage or loss from events like fire, theft, storm damage, frozen pipes, and more. It also provides liability coverage for personal injuries sustained by others on your property.
Dwelling Coverage:
- Pays for repairs or rebuilding of your home's structure, including attached structures like garages or decks.
- It ensures that you have enough coverage to rebuild your home after a disaster.
Coverage for Other Structures:
Protects detached structures on your property, such as sheds, fences, or pools.
Personal Property Coverage:
- Covers your personal belongings, including furniture, clothing, electronics, and valuables.
- It helps replace or repair items damaged or lost due to a covered event.
Loss of Use or Additional Living Expenses Coverage:
- Pays for temporary living expenses if you need to move out of your home during repairs due to a covered loss.
- Covers hotel stays, food, and additional travel expenses.
Personal Liability Coverage:
- Protects you financially if someone is injured on your property or if you cause damage to someone else's property.
- It covers medical expenses, legal fees, and damage costs up to your policy limit.
Medical Payments to Others Coverage:
Covers medical expenses for guests who are injured in your home, regardless of fault.
Home Cyber Protection:
Covers expenses related to cyber-attacks, cyber extortion, fraud, and data breaches on your electronic devices.
Inland Flood Coverage:
Can be added to a policy for homes in low-to-moderate flood zones, providing coverage for your home, contents, debris removal, and additional living expenses.
These are just a few examples of the coverages offered by homeowners insurance policies. The specific coverages and details may vary depending on the insurance company and your chosen plan. It is important to carefully review the policy documents and understand what is covered and what exclusions may apply.
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Pros and cons of Auto-Owners Insurance
Auto-Owners Insurance is a longstanding company that provides auto, home, life, and business insurance in 26 states. It has an excellent standing in customer service and has award-winning claims services.
Pros
Auto-Owners Insurance has a lot of pros, including:
- Financial stability
- Affordable premiums
- Excellent customer service
- Award-winning claims service
- Wide variety of insurance products
- Many coverage options
- Few customer complaints
- Great set of discounts
- Paperless billing and online payment options
- Student discounts
- Discounts for multiple policies
Cons
However, there are also some cons to consider:
- Not available in all states (only 26)
- No online quotes
- No BBB accreditation
- Policy change requests cannot be processed online
- Claims handling issues reported by some customers
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Auto-Owners Insurance customer reviews
Auto-Owners Insurance is a multi-line insurance company that offers auto, home, renters, life, business, and other types of insurance. The company operates in 26 states and policies are available exclusively through local, independent agents.
Customer Reviews
Auto-Owners Insurance has received mixed reviews from its customers. On WalletHub, the company has an average rating of 2.5/5 stars from users, while the editors of the platform have given it a rating of 3.6/5. Similarly, on ConsumerAffairs, the company has an average rating of 2.4/5 stars based on 143 reviews.
Positive experiences mentioned in the reviews include fast service, easy claims processing, and good customer service. Some customers also appreciated the option of interacting with an agent instead of purchasing a policy directly from the company and managing it online.
However, there are also several negative reviews highlighting issues with delayed claims processing, difficulties in getting compensation for damages, and poor communication from agents. Some customers have also complained about unexpected increases in insurance payments and difficulties in getting towing services.
Ratings from Third-Party Organisations
Auto-Owners Insurance has received an A+ rating from the Better Business Bureau (BBB). According to NerdWallet, the company has also received far fewer complaints than expected for auto insurance based on data from the National Association of Insurance Commissioners.
While Auto-Owners Insurance has received recognition for its customer service and claims handling from some third-party organisations, the mixed customer reviews highlight the need for improvement in certain areas, particularly in claims processing and communication.
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Auto-Owners Insurance claims reviews
Auto-Owners Insurance has received mixed reviews for its claims process. While it has been praised for its customer service, some customers have complained about the company's handling of their claims. Here is a more detailed overview of Auto-Owners Insurance claims reviews:
Claims Handling
Auto-Owners Insurance ranked second for claims handling, with a score of 4.4 out of 5. This is higher than the average company score of 4.2. Only Amica scored better, with a 4.8. According to a survey, just over 57% of customers were completely satisfied with the ease of filing a claim. Additionally, 62% were fully satisfied with the updates they received and the resolution of their claim, which was higher than all but one of the companies rated.
Customer Service
Auto-Owners Insurance has also received excellent ratings for its customer service. In a survey, the company took the top spot for customer service, with a score of 4.7 out of 5. More than 90% of surveyed customers gave Auto-Owners a score of 4 or 5 for the ease of getting a new policy. Nearly 55% said they were "extremely satisfied" with their ability to contact customer service when needed.
Customer Loyalty
Auto-Owners Insurance ranked fourth in customer loyalty, with a score of 4.4 out of 5. When asked about their likelihood of renewing their policy, over 96% of respondents said they were either very likely or likely to do so.
Negative Reviews
Despite the positive ratings, some customers have expressed dissatisfaction with Auto-Owners Insurance's claims handling. One customer complained about the slow response to an auto claim, with the assigned adjuster being on vacation. Another customer shared a similar experience, stating that they couldn't even get the company to answer their calls or emails regarding a minor water damage claim. There are also complaints about the company's representatives being hard to reach and not returning calls.
Overall Summary
While Auto-Owners Insurance has received recognition for its customer service and claims handling, there are also negative reviews highlighting delays and difficulties in reaching representatives. The company's claims process seems to be a mixed bag, with some customers praising its efficiency and others expressing frustration with the response time and accessibility of its representatives.
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Auto-Owners Insurance app reviews
The Auto-Owners mobile app has received mixed reviews. On the App Store, it has a rating of 3 out of 5 stars, while on Google Play, it has a slightly higher rating of 3.3 stars. The app allows policyholders to pay their bills, submit roadside assistance requests, view their insurance ID cards, and check the status of their claims. However, users cannot file claims through the app, which has been noted as a drawback.
Auto-Owners Insurance has also received mixed reviews for its claims process. While some customers praise the company for its helpful representatives and prompt claims process, others have complained about disrespectful independent agents and claims adjusters who refuse to fully cover car damages. The company's requirement to call agents instead of filing claims online has been a source of frustration for some users, leading to longer processing times compared to other insurers.
Despite some criticisms, Auto-Owners Insurance has earned recognition for its extensive coverage policies, financial stability, and positive customer reviews. The company offers a wide range of insurance products and has received high financial strength ratings from AM Best, indicating its ability to pay claims reliably.
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Frequently asked questions
Auto-Owners home insurance provides coverage for your home and any attached structures, such as a garage or deck. It also covers structures on your property that are not attached to your home, like a shed or pole barn. Your personal possessions are covered anywhere in the world, and you are protected against lawsuits for which you may become liable. Medical payments to others and additional living expenses are also covered by Auto-Owners home insurance.
Auto-Owners offers several add-on coverage options, including Homeowners Plus, Guaranteed Home Replacement Cost, Special Personal Property Coverage, Ordinance or Law Coverage, Identity Theft Expense Coverage, Home Cyber Protection, and Inland Flood Coverage.
Auto-Owners offers its insurance products through independent agents. You can use the Agency Locator on their website to find an independent insurance agent near you to get a quote.
The average cost of home insurance from Auto-Owners is $2,079 annually, which is lower than the national average of $2,511.25 per year. However, the cost may vary depending on factors such as location, age, gender, marital status, driving history, and credit score.
