Title

Homeowners

Coverages

Coverages
Dwelling

Coverage for your home and any attached structures, such as an attached garage or deck. In order to help you determine how much coverage you need, your agent will help estimate your dwelling’s replacement cost.

Other Structures

Covers structures on your property that are not attached to your home, such as a detached garage, shed or pole barn.

Personal Property

Your personal possessions are covered anywhere in the world.

Personal Liability

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 home after a covered loss.

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Protect the investments in your home.
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Optional Coverages

Optional Coverages
Guaranteed Home Replacement Cost

We understand that for a variety of reasons, your coverage amount may not be adequate at the time of a loss.  This provides full replacement of your home in the event that your coverage limit is too low.

Water Backup of Sewers or Drains

Backed up sewers or drains can wreak havoc on a home, 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.

Special Personal Property Coverage

Provides broader coverage for your personal items, including loss or misplacement, staining or defacing and more.

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.

Homeowners Plus

This coverage builds on your policy by providing several additional coverages in one package.  It includes coverage for damage to your property caused by household appliance leaks, increased coverage limits for food spoilage from power failures and more.

Equipment Breakdown

Covers electrical and mechanical failures of equipment at your home, from air conditioners and heating units to computers and major appliances.  Learn more about this coverage and see how you can protect your home.

Service Line Endorsement

Provides coverage for underground service line damage caused by wear and tear, rust or other perils.

Identity Theft Expense Coverage

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

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How Do I Get a Quote?

Auto-Owners works solely through independent agents to ensure you’re getting the right protection from a skilled professional.

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