Auto-Owners Homeowners Insurance
Auto-Owners Insurance
4.5
Avg ~$1,400/yr. Lowest complaint ratio. Agent-only. 26 states. A++ AM Best.
Editorial score
4.5 / 5
Product type
home insurance
Our take
Auto-Owners consistently earns the lowest complaint ratio in the industry and competitive rates averaging ~$1,400/yr — 30% below the national average. Available through independent agents in 26 states, primarily Southeast and Midwest. A++ financial strength from AM Best.
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Full details
| best for | Homeowners in 26 states who want low rates + exceptional service through local agents |
| am best rating | A++ |
| jd power score | 882 |
| headline metric | From ~$117/mo |
| home value tier | standard |
| secondary metric | Lowest industry complaint ratio |
| states available | 26 states (SE, Midwest) |
| bundling discount | up to 20% |
| avg annual premium | 1400 |
| avg monthly premium | 117 |
| discount highlights | Multi-policy, claims-free, protective devices, mortgage-free, paid-in-full |
Frequently asked questions
What should I compare besides premium for Auto-Owners Homeowners Insurance?
Look at coverage limits, deductibles, exclusions, and customer service reputation. The cheapest quote is not always the best value if coverage is weaker.
Is Auto-Owners Homeowners Insurance right for me?
Auto-Owners consistently earns the lowest complaint ratio in the industry and competitive rates averaging ~$1,400/yr — 30% below the national average. Available through independent agents in 26 states, primarily Southeast and Midwest. A++ financial strength from AM Best.
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Verified Apr 2026
Auto-Owners Homeowners Insurance