Auto-Owners Insurance
Auto-Owners brings household and business insurance together through an independent-agent network.
Explore our Auto-Owners options for household insurance, business risks, and life insurance, including annuities.
What we write with Auto-Owners Insurance
Home, belongings, & personal travel
Discuss personal auto, motorcycles, watercraft, residential property, belongings, weather-related property risks and additional personal liability limits with your TSA agent.
- Personal Auto
- Homeowners
- Dwelling FireDwelling property protection, not a complete homeowners policy.
- Jewelry
- Mobile HomeMobile or manufactured homes need form-specific protection. The homeowners guide is a starting point, not confirmation that a standard home policy fits.
- Motorcycle
- Inland Marine/Personal ArticleInland marine or personal articles, according to the property insured. The jewelry guide explains scheduling; other articles need their own coverage review.
- Personal Flood
- Personal Umbrella
- Watercraft
Life insurance & annuities
Life insurance addresses a death benefit. Annuities have their own income, withdrawal, and guarantee terms; we can discuss each contract separately.
Employee injuries & accident coverage
Workers’ compensation addresses eligible work-related injuries and illnesses. Accident coverage is a separate option with its own benefit terms.
- AccidentAccident protection, not comprehensive health insurance.
- Workers’ Compensation
Business property & equipment
These options address agricultural operations, construction projects, business property, movable equipment and packaged business protection. Packages combine coverages according to the policy form.
- Agriculture Package
- Builders Risk
- Business Owners Policy
- Commercial Dwelling Fire
- Commercial Flood
- Commercial Package
- Equipment FloaterMovable equipment, not machinery breakdown.
- Property
Vehicles & garage operations
Business auto covers vehicle exposures. Garage and dealer coverage depends on the operations described in the policy.
Liability & financial risks
Review general liability, liability limits above underlying policies, specialized liability exposures, crime losses, cyber risks, management decisions and employment-related claims against your operations and existing insurance.
Surety obligations
The obligation you need to satisfy determines the bond form. Tell us who requires the bond and what it must guarantee.
Company background
Established in 1916, Auto-Owners Insurance Group is headquartered in Lansing, Michigan. The group includes a mutual property and casualty insurer and a separate life insurance company. Its product range spans home and auto protection, business insurance, and life insurance. Independent agents provide the connection to these different lines, while the individual policy identifies which company in the group is providing the coverage.
Discuss these options with TSA
Tell us about the coverage you need and any insurance you already have. We can review the options and their terms with you.
Availability and pricing depend on your location, risk, and underwriting. Coverage is governed by the issuing insurer’s policy terms. This is not a quote.
Official websiteauto-owners.com(opens in a new tab)