Ways to Save

We value our customers and think that quality homeowners insurance shouldn’t break the bank. Check out the following discounts that will help you save big and protect your property with first-rate Auto-Owners coverage.

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.

Automatic Backup Generator Discount

You may be eligible to receive this discount if you have a qualifying backup generator.

Mortgage-Free Discount

You may be eligible for this discount if you do not have a mortgage or line of credit on your home.


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?

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

Contact an Agent