At Rathbun Insurance, we value your trust in us as your insurance partner—and we’re committed to keeping you informed. If you currently have a Michigan Homeowners policy with Auto-Owners Insurance, please take a moment to review the following important updates affecting your coverage.

🛠️ New Minimum Deductible Requirements

Auto-Owners is implementing updated minimum deductible rules for all Michigan Homeowners policies, now applying to renewals as well as new business. This means that if your current deductible is lower than the new required minimum for your policy type and coverage tier, it will be automatically increased at your next renewal.

Here’s a breakdown of the new required minimum deductibles:

📈 Homeowners Rate Revision

Auto-Owners has also announced a 2% average rate increase for Michigan Homeowners policies, based on overall loss experience. Individual premium changes may vary.

You can view more on why rates are rising in the Auto-Owners Homeowners Rate Resource.

💼 Consider Adding Life Insurance – and Save

If you already insure your home and auto with Auto-Owners, don’t forget the benefits of bundling a life insurance policy. Adding life insurance may not only help protect your family financially—it could also unlock up to 5% in additional savings on your personal lines policies.

Explore options with the Auto-Owners Life Needs Estimator and Learn More About Life Coverage.

📱 Improved Online Access

The Auto-Owners online portal and mobile app have a fresh new design—but all the great tools remain! With 24/7 access to your documents, billing, and claims, managing your policy has never been easier.

Sign in at auto-owners.com or download the Auto-Owners mobile app to explore your account.

If you have questions about these changes or want to review your current deductible and coverages, don’t hesitate to reach out to your Rathbun Insurance account manager. We're here to help you navigate any updates and make informed decisions.