Auto-Owners Homeowners Insurance Reviews

If I could give negative stars I would. We had a confirmed lightning strike to our home in August 2025 which resulted in a fire. It took more than a week for the adjuster to make time to come out to examine our property, insisting she needed to bring a fire inspector to verify it was lightening that started the fire (despite me and the fire department documenting it).

We had significant roof damage in hurricane Helene here in Carolina, contacted Auto Owners, they immediately sent out someone to review damage and within one day we got an estimate and two days later a full replacement cost check. The process was so simple and the agent Melody ** was incredibly helpful and so understanding of the issue and wanted to get this completed for us quickly. Roofers were out several weeks later and replaced the entire roof did a nice job. I can’t thank Auto Owners enough especially Melody for all her help and advice to get us through this ordeal. Great company and people.

I switched to Auto Owners for my homeowners policy because of the price. When I had a mishap, they paid less than half of the value of the damages. That was 7 years ago. I am still trying to fix my house out of pocket. Meanwhile, I switched back to my former insurance company that is very reliable. A tree came through my roof six months ago and they covered everything. No problem. But auto owners made me feel abandoned like I didn't have insurance at all and I am still working on fixing the damages from seven years ago

Auto-Owners home insurance field agent "Benjamin **" (Lancing, Michigan) tries his best to deceive home-insured clients by paying much less than the replacement value. (How does one repair or replace siding when the insurance company doesn't pay enough for either?) If they send Ben, ask for a different field agent or switch insurance companies.

The worst insurance home policy I had for 20 years, they deny all kinds of legitimate claims with some excuses. Don't waste your time and money on this useless company. Having a policy with this company is like having no insurance at all, and they are pretty much expensive as well.

No one likes dealing with insurance claims. But I have to say our claim experience with Auto-Owners was really great. Our claim was $26,000 and they paid just like one would expect. Our claims processing person could have not given us better service. Josh ** was very helpful. He is an Eagle for us and his company.

We have roof damage from wind and hail. All of our neighbors that received damage to their roofs were approved through their insurance companies and have received new roofs. We have been disputing with Auto-Owners for two years and they still continue to refuse our claims. Not only did they refuse our claims but they refused to cover us any longer because we had not had the roof replaced yet...out of pocket. They are a Bad Faith Insurance Company. They have reneged on their obligation to cover a legitimate claim. We always paid our premiums timely and all we got was no coverage.

Even thou the actual loss was $8200 with replacement cost coverage they only paid $3600. Said I have to actually spend the $8200 in order to collect, otherwise they would only pay a depreciated amount. Scamming me out of $4100. $500 deductible.

Had a property damage claim, told the adjuster I was getting a general contractor, sent him the estimate, after work is completed, he doesn't want to pay the full amount.. (After work is done, is not the time to negotiate invoice.) Now I have to get a lawyer. Had them for over 20 yrs. Huge disappointment.

GEICO is not specialized in Home Insurance policy. It is Primarily a Car Insurance Company. Although I am partially satisfied with my current home insurance with them, which will expire in about 1.5 month, near the end of August 2021. I will be looking for home insurance from other company (ies), who are more specialized in home insurance for their customers.