Auto-Owners Homeowners Insurance vs. Guardian Disability Insurance
Side-by-side comparison · Updated 2026 · Independently reviewed
Auto-Owners Homeowners Insurance
Auto-Owners Insurance
4.5
Avg ~$1,400/yr. Lowest complaint ratio. Agent-only. 26 states. A++ AM Best.
Full review →Guardian Disability Insurance
Guardian Life
4.5
All 50 states. A++ rated. Group + individual policies. Long-term specialist.
Full review →WealthSpott Verdict
Auto-Owners Homeowners Insurance and Guardian Disability Insurance are closely matched. Get quotes from both — insurance premiums vary significantly by location, coverage level, and personal risk factors.
Feature
Auto-Owners Homeowners Insurance
Guardian Disability Insurance
WealthSpott Rating
4.5 / 5
4.5 / 5
Coverage Type
Home Insurance
Disability Insurance
Avg Annual Premium
~$1,400/yr Best
—
AM Best Rating
A++
—
J.D. Power Score
882 / 1000
— Best
Mobile App Rating
—
—
Auto-Owners Homeowners Insurance
Guardian Disability Insurance
Pros
- Available in all 50 states
- A++ AM Best financial strength
- Group and individual policies available
Cons
- Application process can be slow
- Premiums above average for individual plans
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