Property & Valuables

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

You can expect exceptional protection from Auto-Owners for your valuable possessions. A Property & Valuables policy can cover jewelry, fine arts, laptops, tablets and more, and offers coverages above and beyond what your Homeowners policy may provide.

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


Actual Cash Value

Provides coverage for the amount it would cost to repair or replace your damaged property at its current value, minus depreciation.

Agreed Value

Provides coverage for an agreed-upon value that will be paid for your damaged property.

Ways to Save

We value our customers and think that quality 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.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.

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.


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.

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