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Coverages

Coverages
Dwelling Coverage

Covers your rental home and any attached structures.

Other Structures

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

Replacement Cost Loss Settlement

In the event of a total loss to your property, we will pay the cost to replace your rental dwelling with the same type and quality of materials. In order to help you determine how much coverage you need, your agent will help estimate your dwelling’s replacement cost.

Functional Replacement Cost Loss Settlement

For homes built before 1940, provides replacement or repair of the dwelling with current construction materials that function the same as the original construction.

Actual Cash Value Loss Settlement

In the event of a total loss to your property, we will pay the actual market value of your home.

Loss of Rents

Covers your loss of rental income when the dwelling is uninhabitable or cannot be rented due to a covered loss.

Additional Coverages

Optional Coverages
Personal Property Coverage

Optional coverage for your personal property.

Landlord Liability

This endorsement provides coverage for incidents where the landlord may be found liable.

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.

Increased Cost Endorsement

Coverage that provides an additional 25% above and beyond the dwelling limit, in the event that the dwelling limit is not enough to fully replace the home.

Ordinance or Law Coverage

Sometimes, local ordinances or laws can regulate construction, repair or demolition of the property. If this happens at the time of a loss, this coverage will pay to get you up to code.

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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.

Contact an agent

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