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.
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.
Identity Theft Expense Coverage
Provides up to $15,000 for expenses incurred when trying to restore your financial identity.
Home Cyber Protection
The need for home cyber insurance is growing as individuals and families store more information electronically and access more data online. Home Cyber Protection covers the cost for you to hire professional help to recover stolen or corrupted data, restore your device's functionality and legal counsel to review and develop a response for the personal data compromise. It also includes coverage for financial loss in the event of fraud (including identity theft), extortion payments and even resources to others affected by the attack.
Inland Flood Coverage
Rather than purchasing a separate flood policy, this coverage can be added to an existing homeowners policy for homes in low-to-moderate flood zones. It covers your home, contents (including those in a basement), debris removal, additional living expenses and the cost to move covered property to safety. This coverage has a broader definition of "flood" and the coverage is generally less restrictive than the National Flood Insurance Program.
*This insurance product is not affiliated with the National Flood Insurance Program
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.
This material is intended as a general guide or primer only and analysis of coverage is in general terms for the sake of simplicity and understanding. Any of the content provided on this webpage is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. The material on this webpage is not an exhaustive list of the coverages available. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the posting of this material.