Your local independent agents are ready to help you find the coverage that suits you best.

At Auto-Owners, we understand that condominium owners have unique insurance needs. That’s why we’ve developed a specific set of coverages to make sure your condo is appropriately protected.

Your independent agent will help you choose the right coverage, so you can rest assured that you’re protected. At Auto-Owners, we offer competitive rates and coverages that are tailored to your specific needs. Find your local independent agent representing Auto-Owners today!


Condominium Coverage

Covers your condo and other structures at your residence for which you’re responsible.

Personal Property Coverage

Your personal possessions are covered anywhere in the world.

Personal Liability Coverage

Provides coverage for incidents occurring anywhere in the world and protects against lawsuits for which you may become liable.

Medical Payments to Others

Coverage for others who are injured at your residence.

Additional Living Expenses

Pays for expenses if you are unable to stay in your condo after a covered loss.

Optional Coverages

Condo-Owners Plus Endorsement

This coverage builds on your policy by providing several additional coverages in one package. It includes coverage for refrigerated products, appliance leakage, extra expenses for your mortgage and a waiver of the glass deductible. A coverage example would be if you lose power and a refrigerator full of food spoils, you’re covered up to $750.

Water Backup of Sewers or Drains

Backed up sewers or drains can wreak havoc, causing damage to floors, walls, furniture and electrical systems. Coverage for water backup is available with a wide array of limits to suit your needs.

Personal Property Replacement Cost

Covers repair or replacement of your personal property without a deduction for depreciation.

Special Personal Property Coverage

Provides broader coverage for your personal possessions. This endorsement gives additional causes of loss, including misplacement.

Ordinance or Law Coverage

Sometimes, local ordinances or laws can regulate construction, repair or demolition of your property. This coverage will pay to get you up to code.

Identity Theft Expense Coverage

Provides up to $15,000 for expenses incurred when trying to restore your financial identity.

Ways to Save

At Auto-Owners, we think that quality condo owner insurance shouldn’t break the bank. Check out the following discounts that will help you save big and protect your investment.

Multi-Policy Discount

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Payment History

You may qualify for a discount if you have paid your premiums on time in the past 36 months.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.  Discount does not apply for escrow direct bill accounts.

Green Discount

When you enroll in paperless billing and pay your policy premiums online, you may qualify for this discount.

Advance Quote

A discount is available for new applicants who request a premium quote prior to the effective date of the policy.

Protective Devices Discount

If you have protective devices such as smoke detectors, deadbolt locks and fire extinguishers, you may be eligible for this discount.

Water Shut-Off System Discount

This discount may apply if you have an approved and properly maintained whole-home water shut-off system that automatically turns off water supply throughout the entire home when a leak is detected.


Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.

Favorable Loss History

Receive a lower premium for favorable loss history.

Hurricane/Wind Mitigation Discounts

You may be eligible to receive a discount if your property has construction features that help protect your home from wind damage caused by major storms.*

How do I get a quote?

We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote. 

Contact an Agent