Multiple Policy Discounts
Auto-Owners Insurance is committed to serving all of your insurance needs, including coverage for automobile, home, farm, life insurance, business, disability insurance and investment annuities. Contact your local independent Auto-Owners agent for more information on any of these products.
Discounts for Multiple Policies Written with Auto-Owners
A Good Idea for Both You and Us
It makes sense to have all of your insurance coverages written in one place. First, you enjoy the convenience of "one stop shopping." It also allows your agent to build a more complete picture of your needs, enabling him or her to work with you to identify the protection you need by reducing the potential for expensive "gaps" or unnecessary overlaps in coverage.
Why choose Auto-Owners for your insurance needs?
Auto-Owners is a financially strong company that has been protecting insurance consumers since 1916. We are a major provider of personal and commercial lines insurance and want to provide protection for all of your insurance needs.
Multi-Policy Discounts for Two or More Property/Liability Insurance Policies
Liability insurance policies apply when you become liable for injury to another person or that person’s property. Property insurance policies protect you primarily for losses that happen to your own property. We offer discounts on many property/liability insurance policies when you purchase two or more types from the Auto-Owners Insurance Group of companies.
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Policy/Discount Type |
Description |
| Automobile Multi-Policy |
When a policy in our Personal Automobile program and a policy in either our Homeowners, Mobile Homeowners, Estate Owners, Farm Pak or Select-O-Pak programs are each written in any Auto-Owners Insurance Group Company, the Personal Automobile policy is eligible for a discount (Farm Pak and Select-O-Pak policies must insure an owner occupied
dwelling; these programs are not available in every state.)
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| Homeowners Multi-Policy |
When a Homeowners policy and a policy in our Personal Automobile program are each written in any Auto-Owners Insurance Group Company, the Homeowners policy is eligible for a Multi-Policy Discount. The discount applies to primary, secondary and seasonal residences and also applies to all boats, recreational vehicles and other scheduled items written on the Homeowners policy.
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| Dwelling Fire Multi-Policy |
Non-owner occupied and some owner-occupied dwellings and other buildings owned by a person who also has an Automobile, Homeowners or Mobile Homeowners policy
written in any Auto-Owners Insurance Group Company are eligible for a Multi-Policy Discount. Policies written in the name of a partnership are eligible if one of the named insureds has an Automobile, Homeowners or Mobile Homeowners policy written in any Auto-Owners Group Company. The discount is not applicable to Builders Risk policies, vacant dwellings, or policies issued in the name of a corporation.
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| Farm Multi-Policy |
When a Farm policy and a policy written in either the Personal or Commercial Automobile programs are each written in an Auto-Owners Insurance Group Company, the Farm policy is eligible for a Multi-Policy Discount. The farm property locations and the personal automobile garage
location(s) must be in the same state. Please note that Farm policies are not available in all states.
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| Mobile Homeowners Multi-Policy |
When a Mobile Homeowners policy and an Automobile policy are each written in an Auto-Owners Insurance Group Company, the Mobile Homeowners policy is eligible for a Multi-Policy Discount. The discount will apply to primary, secondary and seasonal residences and will also apply to all boats and other scheduled items when written on the Mobile Homeowners policy.
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| Personal Inland Marine Multi-Policy |
When a monoline Inland Marine policy is written to cover property owned by and used in a business operation that is also insured by an Auto-Owners Group Businessowners policy (BOP) covering the same named insured, the monoline Inland Marine policy is eligible for the BOP/Inland Marine Multi-Policy Discount. This discount does not reduce the minimum policy premium.
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| Yacht Multi-Policy |
When the yacht owner also has a Homeowners, Mobile Homeowners, Farm and/or Personal Automobile policy written with an Auto-Owners Insurance Group Company, the Yacht policy is eligible for a Multi-Policy Discount. Please note that Yacht policies are not available in all states.
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| Umbrella Multi-Policy |
A premium discount will be applied when the primary comprehensive personal liability coverage is written with an Auto-Owners Insurance Group Company. (Not subject to minimum premiums) |
Multi-Policy Discount for a Life Insurance Policy and a Property/Liability Insurance Policy
Auto-Owners commitment to providing a complete insurance package includes life, disability insurance, long term care and investment annuities. We also offer discounts for your property/liability policies when we write certain life, disability, long term care or annuity policies for you.
|
Policy/Discount Type |
Description |
| Life/Automobile |
A policy written in our Personal Automobile program will be eligible for a discount when the named insured of the automobile policy also owns or is the named insured on an Auto-Owners life policy (excluding group life), long term care policy, annuity policy with a cash value of $2,000 or greater, or disability income policy with a monthly benefit of $1,000 or greater.
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| Life/Homeowners |
A Homeowners policy will be eligible for a discount when the named insured of the Homeowners policy also owns or is the named insured on an Auto-Owners life policy (excluding group life), long term care policy, annuity policy with a cash value of $2,000 or greater, or disability income policy with a monthly benefit of $1,000 or greater. The discount will apply to primary, secondary and seasonal residences and will also apply to all boats, recreational vehicles and other scheduled items when written on the Homeowners policy.
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| Life/Farm |
A Farm policy will be eligible for a discount when the named insured of the Farm policy also owns or is the named insured on certain Auto-Owners life products (qualifying policies vary by state; see an independent Auto-Owners agent for details). Please note that Farm policies are not available in all states, and that the availability of this discount varies by state.
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| Life/Mobile Homeowners |
A Mobile Homeowners policy will be eligible for a discount when the named insured of the Mobile Homeowners policy also owns or is the named insured on certain Auto-Owners life products (qualifying policies vary by state; see an independent Auto-Owners agent for details). The discount will apply to primary, secondary and seasonal residences and will also apply to all boats, recreational vehicles and other scheduled items when written on the Mobile Homeowners policy.
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| Life/Boat |
A monoline Boat policy will be eligible for a discount when the named insured of the Boat policy also owns or is the named insured on an Auto-Owners life products.
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| Life/Yacht |
A Yacht policy will be eligible for a discount when the named insured of the Yacht policy also owns or is the named insured on certain Auto-Owners life products. Please note that Yacht policies are not available in all states. |
Multi-Policy Discounts for Commercial Lines Policies
Auto-Owners can provide a complete insurance package if you have insurance needs for a business in addition to your personal requirements. When two or more of the following categories of supporting policies are each written in any Auto-Owners Insurance Group Company, each policy qualifies for a Multi-Policy discount:
| Commercial Package |
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Businessowners Policy |
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Tailored Protection Policy |
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Commercial Property Policy |
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Commercial General Liability Policy |
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Commercial Inland Marine Policy |
Commercial Umbrella Policy
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Workers Compensation policy
or
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Commercial Automobile Policy.
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| Additionally, when any of the above commercial policies and... |
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a Life policy (face amount of $50,000 on a Simplified Issue Life Policy or $100,000 on any other life policies), or... |
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a Disability Income policy (monthly benefit of $1,000 or more), or... |
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a Personal lines policy (Personal Automobile, Homeowners, Mobile Homeowners or Dwelling Fire) receiving a personal lines multi-policy discount for an owner, partner or corporate officer of the business; or... |
| |
a Farm policy |
| ...are each written in any Auto-Owners Insurance Group Company, the commercial policy qualifies for a discount. |