TLDR
  • Estimated $1,570/year (~$131/month) for a standard $300k policy — well below the national average
  • NAIC complaint ratio 0.68 (well below industry average); A financial strength
  • Availability: 26 states · independent agent required
  • Consistently low pricing among A-rated carriers
  • Available in only 26 states
NAIC complaint ratio  0.68  — well below industry average

About Auto-Owners homeowners insurance

Auto-Owners sells exclusively through independent agents across 26 states and pairs low pricing with high marks for service and stability. There's no online quote — you work with a local independent agent who can also shop other carriers. Where it operates, it's frequently among the cheapest A-rated options.

Who Auto-Owners homeowners insurance is right for

Homeowners in Auto-Owners states who prefer an independent agent and want competitive pricing without going fully digital.

How much does Auto-Owners homeowners insurance cost?

Auto-Owners homeowners insurance averages roughly $1,570/year (about $131/month) for a standard policy with around $300,000 in dwelling coverage and a $1,000 deductible — well below the national average of about $1,915. Homeowners pricing varies enormously by state, dwelling amount, roof age, and claims history, so treat this as a directional benchmark and get a quote for your specific home.

Availability: 26 states · independent agent required.

Auto-Owners homeowners insurance pros and cons

Pros

  • Consistently low pricing among A-rated carriers
  • Excellent financial stability and agent service
  • Independent agents can tailor and bundle coverage

Cons

  • Available in only 26 states
  • Requires an agent — no direct online quote
  • Less brand-name recognition than national carriers

Bottom line: In its 26 states, Auto-Owners is one of the best agent-sold values. If you like working with an independent agent, get its quote alongside the direct carriers below.

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Compare Auto-Owners homeowners rates by state

California →Texas →Florida →New York →Colorado →Oklahoma →Ohio →Georgia →North Carolina →Illinois →Pennsylvania →Michigan →Virginia →Washington →Tennessee →

Frequently asked questions

How much is Auto-Owners homeowners insurance?
Roughly $1,570/year (~$131/month) for a standard $300k-dwelling policy — well below the national average. Your exact price depends on your home, deductible, and claims history.

Is Auto-Owners good for homeowners insurance?
It carries an NAIC complaint ratio of 0.68 (well below industry average) and A financial strength. In its 26 states, Auto-Owners is one of the best agent-sold values. If you like working with an independent agent, get its quote alongside the direct carriers below.

Not sure how much coverage you need?
Use the home coverage calculator to size your dwelling, liability, and add-ons before you compare Auto-Owners against other carriers.

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