Paul Sanchez
Auto-Owners Insurance is a mutual insurance company that offers auto, home, life, and business insurance policies in 26 states, including Florida. The company is headquartered in Lansing, Michigan, and has been offering insurance since 1916. Auto-Owners Insurance is among the top home insurance providers in the U.S., offering a wide variety of coverages and several discounts. The company does not sell policies directly to individuals, and all policies must be purchased through an independent agent.
| Characteristics | Values |
|---|---|
| Number of states available in | 26 |
| States available in | 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 |
| Headquarters | Lansing, Michigan |
| Types of insurance offered | Auto, home, life, and business |
| Discounts | Multi-policy, payment history, paid-in-full, bundling with car insurance, hurricane and wind mitigation, advance quote |
| Other | Auto-Owners is owned by its policyholders and is not publicly traded |
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What You'll Learn
- Auto-Owners Insurance is available in 26 states, including Florida
- Auto-Owners Insurance offers a range of discounts
- Auto-Owners Insurance policies must be purchased through an independent agent
- Auto-Owners Insurance has higher-than-average home insurance rates
- Auto-Owners Insurance offers a mix of common and unique homeowners insurance discounts
Auto-Owners Insurance is available in 26 states, including Florida
Auto-Owners Insurance is a mutual insurance company that offers auto, home, life, and business insurance policies in 26 states, including Florida. The company was founded in 1916 in Michigan and has since expanded to include several other states across the country.
As a mutual insurance company, Auto-Owners Insurance is owned by its policyholders, and its shares are not publicly traded on the stock market. The company offers a range of insurance products, including homeowners insurance, which can be purchased through independent agents. This means that Auto-Owners Insurance does not sell policies directly to individuals but instead works through a network of local, independent agents to provide personalized service to its customers.
Auto-Owners Insurance is known for its strong claims-paying ability, scoring 888 out of 1,000 for its claims process in J.D. Power's customer surveys. The company also offers a variety of discounts and optional coverages to make its homeowners insurance more affordable and accessible to customers. These discounts include a multi-policy discount, a payment history discount, and a paid-in-full discount. Additionally, Auto-Owners Insurance provides a Homeowners Plus package that offers additional coverages, such as guaranteed home replacement cost, which ensures that your home will be replaced even if the cost exceeds your policy's limit.
The company's homeowners insurance is available in Florida and provides a Hurricane and Wind Mitigation discount specific to this state and other southeastern states. This discount applies to construction features that protect homes from wind damage during major storms, making it particularly relevant for Florida residents who may be at risk of hurricane damage. Overall, Auto-Owners Insurance is a reputable and reliable option for homeowners insurance, offering a range of benefits and protections to its customers in Florida and across its 26-state service area.
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Auto-Owners Insurance offers a range of discounts
Auto-Owners Insurance is available in 26 states, including Florida, and offers auto, home, life, and business insurance policies. The company is headquartered in Lansing, Michigan, and has been in operation since 1916. Auto-Owners Insurance is among the top home insurance providers in the U.S. and offers a wide variety of coverages and several discounts to meet the needs of homeowners.
One of the unique features of Auto-Owners Insurance is their Hurricane and Wind Mitigation discount, which is available to homeowners in Florida, North Carolina, and South Carolina. This discount applies to construction features that protect homes from wind damage during major storms, making it particularly relevant for those living in hurricane-prone areas.
In addition to this location-specific discount, Auto-Owners Insurance offers a range of other discounts to make home insurance more affordable. These include common discounts such as bundling your homeowners' policy with your car insurance, as well as a multi-policy discount, a payment history discount, and a paid-in-full discount. New applicants can also benefit from an advance quote discount if they request a quote before their policy's effective date, although this is not available in every state.
Auto-Owners Insurance also provides optional coverages, such as their Homeowners Plus package, which includes several additional coverages in one convenient package. One notable feature is the Guaranteed Home Replacement Cost coverage, which ensures that your home will be replaced even if the cost to rebuild exceeds your insurance policy's limit.
Overall, Auto-Owners Insurance offers a comprehensive range of discounts and coverages for homeowners, with the added convenience of managing your policy through an online portal once you become a policyholder.
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Auto-Owners Insurance policies must be purchased through an independent agent
Auto-Owners Insurance is a mutual insurance company that offers auto, home, life, and business insurance policies. It is one of the top home insurance providers in the US, offering a wide variety of coverages and several discounts to meet your home insurance needs. These include a multi-policy discount, payment history discount, and paid-in-full discount.
Auto-Owners Insurance is available in 26 states: 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.
Once you are a policyholder, you can primarily manage your account through the Auto-Owners online portal. Although Auto-Owners has higher-than-average home insurance rates, it offers numerous discounts that can make home insurance more affordable. These include common discounts offered by most other companies, such as discounts for bundling your homeowners policy with your car insurance.
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Auto-Owners Insurance has higher-than-average home insurance rates
Auto-Owners Insurance is a mutual insurance company, meaning it is owned by its policyholders. The company is headquartered in Lansing, Michigan and offers auto, home, life, and business insurance policies in 26 states, including Florida.
While Auto-Owners Insurance has higher-than-average home insurance rates, it is still considered to be one of the cheapest options on the market. According to US News, the company has the third-lowest sample rate and the third-cheapest rates, averaging $184.07 per month, which is well below the national average of $231.39. This average monthly premium would provide $300,000 in dwelling coverage and $100,000 in personal liability.
Auto-Owners Insurance offers numerous discounts, including bundling, on-time payments, paid-in-full, paperless billing, and protective devices. In addition, the company provides a discount for new applicants who request a quote before their policy's effective date, although this discount is not available in every state.
It is worth noting that Auto-Owners Insurance does not offer earthquake insurance, so any damage resulting from earthquakes would not be covered by their homeowners insurance policies. Additionally, the company does not sell policies directly to individuals, and all insurance policies must be purchased through an independent agent. However, once a policyholder, you can primarily manage your account through their online portal.
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Auto-Owners Insurance offers a mix of common and unique homeowners insurance discounts
Auto-Owners Insurance is a mutual insurance company that offers auto, home, life, and business insurance policies in 26 states, including Florida. The company is known for its strong claims-paying ability, scoring 888 out of 1000 for its claims process in J.D. Power's customer surveys.
One unique discount offered by Auto-Owners Insurance is the Hurricane and Wind Mitigation discount, which is available to homeowners in North Carolina, South Carolina, and Florida. This discount applies to construction features that protect homes from wind damage during major storms, an important consideration for Florida homeowners.
In addition to these discounts, Auto-Owners Insurance also provides optional coverages, such as their Homeowners Plus package, which includes several additional coverages in one bundle. This package includes Guaranteed Home Replacement Cost coverage, which replaces your home if the cost to rebuild exceeds your insurance policy's limit.
Auto-Owners Insurance policies must be purchased through an independent agent, and the company does not sell policies directly to individuals. However, once you are a policyholder, you can conveniently manage your account through their online portal.
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Frequently asked questions
Yes, Auto-Owners sells homeowners insurance in Florida.
Auto-Owners is available in 26 states: Alabama, Arizona, Arkansas, Colorado, 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.
Auto-Owners' standard homeowners insurance offers most of the protections you need. The company does not offer earthquake insurance, so your policy will not cover any damage resulting from earthquakes. However, Auto-Owners does offer a Hurricane and Wind Mitigation discount to homeowners in North Carolina, South Carolina, and Florida.
All Auto-Owners insurance policies must be purchased through an independent agent. You can use the company's Agency Locator to find an independent insurance agent that represents Auto-Owners near you. Once you are a policyholder, you can primarily manage your account through the online portal.
Auto-Owners offers a mix of common and unique discounts for homeowners insurance, including a multi-policy discount, a payment history discount, and a paid-in-full discount. New applicants who request a quote before their policy's effective date can also earn a discount, although this is not available in every state.
