INSURANCE CARRIER
Auto-Owners Insurance
Auto-Owners Insurance Group writes personal auto, homeowners, condo, renters, dwelling fire (landlord), personal umbrella, and life coverage through independent agents in 26 states.
Personal Lines
- File a claim 1-888-252-4626 · 24/7 phone (Auto-Owners-direct, not via Olive Cover)
- Online Account & claims portal
- After hoursFor Auto-Owners claims, call 1-888-252-4626 directly.
A note on availability: We are not currently placing new business with this carrier in Alabama. A free coverage review can confirm which carriers we can place coverage with for your situation.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Auto-Owners Insurance Group writes personal auto, homeowners, condo, renters, dwelling fire (landlord), personal umbrella, and life coverage through independent agents in 26 states. Auto-Owners is known for traditional underwriting, conservative growth, and competitive bundle pricing on home plus auto for preferred risks.
Strengths
What This Carrier Does Well
Strong bundled home plus auto positioning with stable multi-year renewal pricing for standard preferred risks
Personal and commercial lines claims service with a regional adjuster presence
Long-established Southeast footprint across metro and rural markets
Limitations to Know
Where They Fall Short
Conservative underwriting can decline higher-risk profiles that other standard-market carriers will accept
Multi-year renewal stability comes at the cost of not aggressively competing on first-year teaser pricing
Multi-year renewal stability comes at the cost of not aggressively competing on first-year teaser pricing
Right Fit
Who They Are Best For
Best Fit For
Customers looking for a regional independent-agent carrier with conservative pricing, stable renewal cycles, and bundled home plus auto positioning.
Not a Good Fit For
Larger commercial accounts, specialty or surplus lines risks, businesses outside Auto-Owners' 26-state footprint, technology and life sciences specialty, and non-standard commercial risks.
Appetite & Coverage
What They Write
- Line of Business
- Personal Lines
- Coverage Types
- Personal auto, homeowners, condo, renters, dwelling fire, personal umbrella, life
- Personal Lines States
- Auto-Owners writes personal lines in 26 states.
- Commercial Lines States
- Auto-Owners writes commercial lines in 26 states.
- Industry Classes
- Personal lines (not applicable to industry classes).
Pricing & Claims
What to Expect
Best Pricing For
Bundled home plus auto with 0 to 1 claims in 5 years, homes built after 1985 with newer roofs, and drivers with clean records. Auto-Owners often wins on multi-year renewal stability rather than first-year discounting.
Pricing Context
Auto-Owners personal lines pricing sits in the standard -to-preferred market range, with the carrier known for stable renewal cycles.
Claims Experience
Auto-Owners handles personal and commercial lines claims directly through its independent-agent model. Olive Cover does not handle claims for Auto-Owners policies; policyholders work directly with Auto-Owners or through the placing agent. Admitted Status: Auto-Owners is an admitted carrier for all lines they write. Policies are backed by applicable state guaranty fund protections up to applicable limits. Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Admitted Status: Auto-Owners is an admitted carrier for all lines they write. Policies are backed by applicable state guaranty fund protections up to applicable limits.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts