High Value Homes

Protect your high value home with Auto-Owners. We provide the freedom to select specific coverages based on your needs and allow for creating a custom policy tailored just for you.


Increased Cost Endorsement

​​​​​​Provides up to an additional 25% of your coverage amount in the event it is not enough to repair or replace your home.

Special Personal Property Coverage

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

Water Backup of Sewers or Drains

This coverage is available with a wide array of limits to suit your needs, such as a sump-pump failure causing basement flooding.

Appliance Seepage or Leakage

Protect your home with coverage for water seepage or leakage originating from a domestic appliance, or interior sprinkler system.

Equipment Breakdown

Provides coverage for damage to home equipment caused by mechanical or electrical breakdown, such as an air conditioning system compressor failure due to a short circuit.

Service Line

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

Personal Property and Valuables

From fine arts to jewelry, we can easily accommodate large collections and provide broad coverages, like agreed value loss settlement.

Boats, ATVs & Off-Road Vehicles

Protect the things that allow you to enjoy the outdoors.

Protection for the Entire Portfolio

Along with your high value home, we offer Personal Auto, Executive Umbrella and Life insurance. If you also own a business, we can offer the coverage you need. Protecting all aspects of your account remains our priority. Contact your local independent agency representing Auto-Owners today!

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