Auto-Owners Insurance appetite and how to quote it

Auto-Owners Insurance

Auto-Owners sells only through independent agents in 26 states. It writes home, condo, renters, rental dwelling, auto, umbrella, boat and other recreational vehicle policies. Its commercial side covers contractors, offices, retail and service, restaurants, manufacturers and motor carriers.

Verified Oct 30, 2026

Appetite

Class	Line	States	Notes
Homeowners	Home	Most states	Homeowners policy with optional Homeowners Plus package, Guaranteed Home Replacement Cost, and an Increased Cost endorsement that adds 25% above the dwelling limit. Water backup, equipment breakdown and Home Cyber Protection are also offered. Condo, renters and mobile home policies are written too (Homeowners Insurance page, Oct 2026).
High-value home	Home	Most states	High Value Homes coverage for one-of-a-kind homes, with an Increased Cost endorsement of up to 25% more and special personal property cover that includes misplacement. Fine art and jewelry, including large collections, can be insured on an agreed-value basis. Boats, ATVs and off-road vehicles can be added (High Value Homes page, Oct 2026).
Landlord	Dwelling	Most states	Rental Dwelling policy covers the rental home, detached structures and loss of rents. Loss can be settled at replacement cost or actual cash value, or at functional replacement cost for homes built before 1940. Optional Landlord Liability, Increased Cost (+25% of the dwelling limit) and ordinance or law endorsements are available. Tenants' belongings are not covered (Rental Dwelling page, Oct 2026).
Homeowners	Personal umbrella	Most states	Personal umbrella limits up to $5M, with higher limits subject to underwriting approval. Includes worldwide coverage, personal injury (libel, slander, false arrest, wrongful eviction) and care, custody and control of rented or borrowed property (Umbrella page, Oct 2026).
Personal auto	Auto	Most states	Personal auto with Purchase Price Guarantee for new cars, rental car coverage that carries your policy's broadest limits plus some rental company fees, and Road Trouble Service. Classic cars and modified or converted vehicles (for example wheelchair lifts) are also written (Auto Insurance page, Oct 2026).
Recreational vehicles	Specialty	Most states	Boat policy with agreed value loss settlement, boat equipment, watercraft liability, emergency towing and sunken boat recovery. Separate motorcycle, ATV and off-road, motorhome and RV, and trailer policies are also offered (Boat Insurance page and sitemap, Oct 2026).
Contractors	GL	Most states	Contractors get general liability with optional owners and contractors protective liability, blanket additional insured, free waiver of subrogation and crime cover for building service contractors. Inland marine covers tools, employee tools and builders risk. A package discount applies when the general liability and the tools, equipment or building are both insured with Auto-Owners (Contractor page, Oct 2026).
Offices	Professional liability	Most states	Office businesses can get professional liability, the Property Plus Package, cyber liability (data loss, lost income, identity recovery), EPL and employee dishonesty. These sit alongside general liability, commercial property, inland marine, workers' comp, commercial auto and commercial umbrella (Office page, Oct 2026).
Retail	GL	Most states	Retail and service package for businesses from barber shops to gas stations and boutiques. It includes general liability, commercial property, inland marine and business interruption, with optional professional liability, equipment breakdown, cyber and EPL (Retail/Service page, Oct 2026).
Transportation	Commercial auto	Most states	Motor carrier program covers auto liability, collision and comprehensive on tractors. It adds the Uniform Intermodal Interchange Endorsement, bobtail and deadhead cover, and motor cargo for owned, others' or one-time shipments. A fleet monitoring discount applies when telematics are installed (Motor Carrier page, Oct 2026).

Class

Line

States

Notes

Homeowners

Home

Most states

Homeowners policy with optional Homeowners Plus package, Guaranteed Home Replacement Cost, and an Increased Cost endorsement that adds 25% above the dwelling limit. Water backup, equipment breakdown and Home Cyber Protection are also offered. Condo, renters and mobile home policies are written too (Homeowners Insurance page, Oct 2026).

High-value home

Home

Most states

High Value Homes coverage for one-of-a-kind homes, with an Increased Cost endorsement of up to 25% more and special personal property cover that includes misplacement. Fine art and jewelry, including large collections, can be insured on an agreed-value basis. Boats, ATVs and off-road vehicles can be added (High Value Homes page, Oct 2026).

Landlord

Dwelling

Most states

Rental Dwelling policy covers the rental home, detached structures and loss of rents. Loss can be settled at replacement cost or actual cash value, or at functional replacement cost for homes built before 1940. Optional Landlord Liability, Increased Cost (+25% of the dwelling limit) and ordinance or law endorsements are available. Tenants' belongings are not covered (Rental Dwelling page, Oct 2026).

Homeowners

Personal umbrella

Most states

Personal umbrella limits up to $5M, with higher limits subject to underwriting approval. Includes worldwide coverage, personal injury (libel, slander, false arrest, wrongful eviction) and care, custody and control of rented or borrowed property (Umbrella page, Oct 2026).

Personal auto

Auto

Most states

Personal auto with Purchase Price Guarantee for new cars, rental car coverage that carries your policy's broadest limits plus some rental company fees, and Road Trouble Service. Classic cars and modified or converted vehicles (for example wheelchair lifts) are also written (Auto Insurance page, Oct 2026).

Recreational vehicles

Specialty

Most states

Boat policy with agreed value loss settlement, boat equipment, watercraft liability, emergency towing and sunken boat recovery. Separate motorcycle, ATV and off-road, motorhome and RV, and trailer policies are also offered (Boat Insurance page and sitemap, Oct 2026).

Contractors

Most states

Contractors get general liability with optional owners and contractors protective liability, blanket additional insured, free waiver of subrogation and crime cover for building service contractors. Inland marine covers tools, employee tools and builders risk. A package discount applies when the general liability and the tools, equipment or building are both insured with Auto-Owners (Contractor page, Oct 2026).

Offices

Professional liability

Most states

Office businesses can get professional liability, the Property Plus Package, cyber liability (data loss, lost income, identity recovery), EPL and employee dishonesty. These sit alongside general liability, commercial property, inland marine, workers' comp, commercial auto and commercial umbrella (Office page, Oct 2026).

Retail

Most states

Retail and service package for businesses from barber shops to gas stations and boutiques. It includes general liability, commercial property, inland marine and business interruption, with optional professional liability, equipment breakdown, cyber and EPL (Retail/Service page, Oct 2026).

Transportation

Commercial auto

Most states

Motor carrier program covers auto liability, collision and comprehensive on tractors. It adds the Uniform Intermodal Interchange Endorsement, bobtail and deadhead cover, and motor cargo for owned, others' or one-time shipments. A fleet monitoring discount applies when telematics are installed (Motor Carrier page, Oct 2026).

Getting appointed

Agencies apply through the 'Become an A-O Agency' form. It asks for years in business, total written premium, the agency's top three P&C carriers, its personal and commercial mix, its non-standard share, and why it wants another carrier. Producers need a license in each state they write and a current Auto-Owners appointment.

Auto-Owners Insurance

Appetite

How to quote Auto-Owners Insurance

Getting appointed

Sources

Tell us your book.
We'll build your stack.

Auto-Owners Insurance

Appetite

How to quote Auto-Owners Insurance

Getting appointed

Sources

Tell us your book.We'll build your stack.

Tell us your book.
We'll build your stack.