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Multi-Policy Discounts for Two or More Property/Liability Insurance Policies:
  Liability insurance policies apply when you become liable for injury to another person or that person’s property.  Property insurance policies protect you primarily for losses that happen to your own property.  We offer discounts on many property/liability insurance policies when you purchase two or more types from the Auto-Owners Insurance Group of companies.

Policy/Discount Type
  Automobile Multi-Policy: When a policy in our Personal Automobile program and a policy in either our Homeowners, Mobile Homeowners, Estate Owners, Farm Pak or Select-O-Pak programs are each written in any Auto-Owners Insurance Group Company, the Personal Automobile policy is eligible for a discount (Farm Pak and Select-O-Pak policies must insure an owner occupied dwelling; these programs are not available in every state.)  
  Dwelling Fire Multi-Policy: Non-owner occupied and some owner-occupied dwellings and other buildings owned by a person who also has an Automobile, Homeowners or Mobile Homeowners policy written in any Auto-Owners Insurance Group Company are eligible for a Multi-Policy Discount.  Policies written in the name of a partnership are eligible if one of the named insureds has an Automobile, Homeowners or Mobile Homeowners policy written in any Auto-Owners Group Company.  The discount is not applicable to Builders Risk policies, vacant dwellings, or policies issued in the name of a corporation.
  Farm Multi-Policy: When a Farm policy and a policy written in either the Personal or Commercial Automobile programs are each written in an Auto-Owners Insurance Group Company, the Farm policy is eligible for a Multi-Policy Discount.  The farm property locations and the personal automobile garage
location(s) must be in the same state. Please note that Farm policies are not available in all states.
  Personal Inland Marine Multi-Policy: When a monoline Inland Marine policy is written to cover property owned by and used in a business operation that is also insured by an Auto-Owners Group Businessowners policy (BOP) covering the same named insured, the monoline Inland Marine policy is eligible for the BOP/Inland Marine Multi-Policy Discount.  This discount does not reduce the minimum policy premium.
  Yacht Multi-Policy: When the yacht owner also has a Homeowners, Mobile Homeowners, Farm and/or Personal Automobile policy written with an Auto-Owners Insurance Group Company, the Yacht policy is eligible for a Multi-Policy Discount.  Please note that Yacht policies are not available in all states.
  Umbrella Multi-Policy: A premium discount will be applied when the primary comprehensive personal liability coverage is written with an Auto-Owners Insurance Group Company. (Not subject to minimum premiums)


Multi-Policy Discount for a Life Insurance Policy and a Property/Liability Insurance:
Policy Auto-Owners commitment to providing a complete insurance package includes life, disability insurance, long term care and investment annuities.  We also offer discounts for your property/liability policies when we write certain life, disability, long term care or annuity policies for you.

Policy/Discount Type
  Life/Automobile: A policy written in our Personal Automobile program will be eligible for a discount when the named insured of the automobile policy also owns or is the named insured on an Auto-Owners life policy (excluding group life), long term care policy, annuity policy with a cash value of $2,000 or greater, or disability income policy with a monthly benefit of $1,000 or greater.  Life/Farm: A Farm policy will be eligible for a discount when the named insured of the Farm policy also owns or is the named insured on certain Auto-Owners life products (qualifying policies vary by state; see an independent Auto-Owners agent for details).  Please note that Farm policies are not available in all states, and that the availability of this discount varies by state.  
  Life/Boat: A monoline Boat policy will be eligible for a discount when the named insured of the Boat policy also owns or is the named insured on an Auto-Owners life products.
  Life/Yacht: A Yacht policy will be eligible for a discount when the named insured of the Yacht policy also owns or is the named insured on certain Auto-Owners life products.  Please note that Yacht policies are not available in all states.


Multi-Policy Discounts for Commercial Lines Policies:
Auto-Owners can provide a complete insurance package if you have insurance needs for a business in addition to your personal requirements.  When two or more of the following categories of supporting policies are each written in any Auto-Owners Insurance Group Company, each policy qualifies for a Multi-Policy discount:

• Commercial Package
  • Businessowners
  • Tailored Protection Policy
  • Commercial Property
  • Commercial General Liability
  • Commercial Inland Marine
• Commercial Umbrella
• Workers Compensation
• Commercial Automobile

Additionally, when any of the above commercial policies and...

• a Life policy (face amount of $50,000 on a Simplified Issue Life Policy or $100,000 on any other life policies), or...
• a Disability Income policy (monthly benefit of $1,000 or more), or...
• a Personal lines policy (Personal Automobile, Homeowners, Mobile Homeowners or Dwelling Fire) receiving a personal lines multi-policy discount for an owner, partner or corporate officer of the business; or...
• a Farm policy

...are each written in any Auto-Owners Insurance Group Company, the commercial policy qualifies for a discount.
                                                                                            (Some programs are not available in every state.)

(Your information will NEVER knowingly be sold or given away, PERIOD! It will only be used for the purpose you intended by J.W. Edens & Company, Inc.)