Property Claims

Home Claims Property Claims

If you have a property loss, our main goal is to get things back to normal as soon as possible.

First, if it is an emergency situation, call emergency services immediately. If no emergency is present, follow the steps below to help us ensure your claim is handled quickly and efficiently.

Number one inside a circle

Take the necessary precautions to protect your property from further damage.

Number two inside a circle

In the event of personal injury, obtain the names and addresses of individuals involved and witnesses.

Number three inside a circle

Contact your agent as soon as possible to report your claim.

If your claim involves theft to your home, your policy requires you to call the police and file a report.

Number four inside a circle

If you’re unable to reach your agent after normal business hours, we provide an after-hours claim reporting phone service for claim emergencies.

The service is available on weekdays from 5 p.m. to 8 a.m. and 24 hours a day on weekends and holidays.


Number five inside a circle

Take photos (or videos) of damage.

How Do I Report a Claim?

To report a claim, simply call your local, independent Auto-Owners agent, someone you know and trust. With over 100 claim offices in 26 states, we believe our claims branches should be as close as possible to our policyholders and your local agents.

Report a Claim
Already have a claim? Track a Claim