PREMIUMHIKERates, notices, and the statute
Menu

Educational notes for homeowners. Not an insurer, not an agent, and not advice about your policy.

AUTO-OWNERS · MI · 2026

Why did my Auto-Owners home insurance go up in Michigan?

A Auto-Owners renewal in Michigan is two documents: the company’s offer, and Michigan’s rule for how much warning a non-renewal must give. We have not confirmed the day count. Needs verification. The 2022 HO-3 average here was $1,056. That is not your premium.

MICHIGAN NOTICE

Needs verification

Michigan’s homeowners nonrenewal notice period was not re-read from the code for this review.

Full Michigan file

WHAT WE CONFIRMED FOR AUTO-OWNERS

Needs verificationNo Auto-Owners rate order, exit, or moratorium specific to Michigan was confirmed in this review. Search SERFF and the Michigan Department of Insurance and Financial Services filing search. The absence of a row here is not an absence of a filing.

Full Auto-Owners file

The premium context, not your bill

2022 HO-3$1,056

Midwest zone, 2024$1,476

Nonrenewals14.2 per 1,000 policies in 2024, up from 5.5 in 2022

Nominal average premium per policy in 2024 was $1,476. Inflation-adjusted change since 2018: Inside the report’s inflation-adjusted range of 18.3% to 43.3%. A separate Midwest percentage is not stated in the summary prose..

Public rate filings are posted in SERFF Filing Access when a state participates. Search the company and the homeowners line. A filing is a request until the regulator acts on it. Unless a row above cites a regulator or company release, this review did not download that company’s SERFF PDF. [26]

If the admitted market will not take the house

Michigan FAIR plan. PIPSO counted 15,981 Michigan habitational policies in fiscal year 2024. The plan name and perils need verification. [22]

Complaints: Michigan Department of Insurance and Financial Services.https://www.michigan.gov/difs NAIC directory

What to do this week

  1. Find three dates: the date the notice was mailed, the date the policy expires, and the date the company says coverage ends.
  2. Read the reason. “Underwriting reasons,” with nothing under it, is not an explanation you can appeal or fix.
  3. Decide which letter you have. A nonrenewal, a mid-term cancellation, and a renewal that cuts coverage or raises the price are different notices, and states time them differently.
  4. Keep paying the current policy until a new one is bound. A gap can put a mortgage into force-placed insurance, which protects the lender first.
  5. Ask the company, in writing, for the declarations page, the replacement-cost estimate, and which rating factors changed.
  6. If a mortgage company is on the policy, tell them you are replacing coverage before the old policy ends.
  7. Shop admitted insurers. If you cannot find one, use the residual-market note on your state page. A FAIR plan or Citizens policy is often narrower than the policy you had.
  8. Compare deductibles before you accept a lower premium. A percentage hurricane or wind deductible is a share of the dwelling limit, not a flat $1,000.
  9. If the notice looks late or states no real reason, complain to the state insurance department and keep the envelope or the electronic-delivery record.
  10. Ask about a mitigation credit only where the company will put the discount in writing: a new roof, opening protection, or defensible space, depending on the peril.

Sort the likely reasons · Price the increase · Non-renewal guide

Questions people type

Why did my Auto-Owners home insurance go up in Michigan?

Start with two different things: a Michigan rate change for Auto-Owners, and a change in your own house (replacement cost, roof, claims, deductible, or coverage). The 2022 HO-3 average in Michigan was $1,056. It is not your premium and it is not a 2026 price. Any Auto-Owners percentage confirmed for this state is in the filings section. If that section says needs verification, nobody on this page has read a Michigan order for this company. [22][26]

What is the non-renewal notice rule for Auto-Owners in Michigan?

Needs verificationNeeds verification. This review did not confirm a Michigan day count, so do not invent one for a Auto-Owners letter. Michigan’s homeowners nonrenewal notice period was not re-read from the code for this review. [27]

What should I do in 2026 if Auto-Owners nonrenews me in Michigan?

Count the days on the notice against the Michigan rule on this page, ask Auto-Owners in writing for the reason and the rating worksheet, and do not drop the current policy until replacement coverage is bound. If you cannot find an admitted policy, read the residual-market note for Michigan FAIR plan. Complaints go to Michigan Department of Insurance and Financial Services. [27][22]

Sources reviewed 2026-10-14

Open the document. The sentence above is only as current as that reading.

  1. [19] Examining Homeowner Property Insurance Market Dynamics, 2018–2024 (31 July 2026). NAIC Center for Insurance Policy and Research. Reviewed 2026-10-14. https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf
  2. [21] NAIC members by zone. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/membership-report/members-zone
  3. [22] Facts + statistics: homeowners and renters insurance. Insurance Information Institute (Triple-I). Reviewed 2026-10-14. https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
  4. [26] SERFF Filing Access. NAIC. Reviewed 2026-10-14. https://filingaccess.serff.com/sfa/home/
  5. [27] State insurance department directory. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/state-insurance-departments