Regional carrier with Erie-tier premiums in its 26-state footprint and strong independent-agent relationships.
Get started at Auto-Owners Insurance Company → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 3.9 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Homeowners in Auto-Owners' operating territory who want to bundle home and auto with one agent.
Auto-Owners Insurance — Regional carrier with Erie-tier premiums in its 26-state footprint and strong independent-agent relationships. Best for: Homeowners in Auto-Owners' operating territory who want to bundle home and auto with one agent.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Auto-Owners is best for homeowners within its 26-state operating territory who want to bundle home and auto through a single independent agent. It positions as a regional carrier with Erie-tier premiums and strong agent relationships — a good fit for buyers who prefer working with a local agent over direct online quoting.
The estimated average annual premium for its operating states is around $1,450, which is competitive with the Erie tier of regional carriers. Your actual premium varies by state, home characteristics, and individual underwriting factors. Because Auto-Owners is agent-distributed, you'll get an official quote through an independent agent via auto-owners.com.
Auto-Owners writes policies in 26 states — primarily the Midwest, South, Southeast, and select other states — giving it a broader footprint than Erie while maintaining similar low-premium positioning. If you're outside its operating territory, you'll need to quote other carriers. Find a local agent through the agency locator at auto-owners.com.
No. Auto-Owners uses agent-only distribution and does not offer direct online quoting; you purchase through an independent agent. Use the agency locator at auto-owners.com to find a local agent. The claims process is also agent-intermediated, which some customers prefer for the personal relationship and others find slower than direct-to-consumer carriers.
Auto-Owners Insurance Company holds an A++ (Superior) rating from A.M. Best — the highest financial strength tier available — and maintains an NAIC complaint ratio consistently below the industry median. You can verify the rating at ambest.com and complaint data at content.naic.org.
No. ClearValue Lending is not a licensed insurance broker or agent. This review presents publicly available editorial information. Home insurance pricing and availability vary by state, home characteristics, and individual underwriting factors. Auto-Owners policies are available only through independent agents — contact a local Auto-Owners agent for an official quote.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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