Worst experience I have ever had. I had a total destruction on my greenhouse which was attached to my garage. They had required me to pay premiums on their $120,000 appraisal or lose my replacement value benefit. My actual replacement cost was $65,000. Their initial offer was $11,000 for my replacement cost. After 6 months of fighting with them, they offered me $45,000. I am worn out with all the fighting with my so called insurance company. I thought replacement cost coverage was very clear coverage. Apparently not. I am so worn out with 100’s of pages of their small print and avoidance of a fair offer, I give up. I thought insurance was protection, apparently not. What a horrible deceitful company.
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Auto-Owners Insurance is a mutual insurance company that offers auto, home, business and life insurance to policyholders exclusively through independent agents.
