Key takeaways
- Match the NAIC on the declarations page to the paper table below. Same brand, several legal names.
- First-party is your policy (including UM/UIM). Third-party is theirs. Those are different files.
- Official FNOL: 888-252-4626 · www.auto-owners.com/claims/report-a-claim. That is their claims door, not ours.
- A Division complaint is separate. We do not file it for you.
Independent-agent FNOL first
Auto-Owners Insurance Company (18988), Owners Insurance Company (32700), and Home-owners Insurance Company (26638) are the Colorado motor-vehicle paper for this brand. All three rows were re-checked against the Division's registered-agent list updated October 1, 2026, and all three still carry both motor-vehicle lines.
Auto-Owners' report-a-claim page tells policyholders to call their local independent Auto-Owners agent first. If the agent is unavailable, or it is after hours, the page lists 888-252-4626. Claim status and the name of the assigned claim representative show in the online access account; without one, the page says to ask the agent. That agent-first path is written for people who hold the policy. If Auto-Owners insures the other driver, you do not have an Auto-Owners agent, and you are a third-party claimant on their policy. Source: auto-owners.com/claims/report-a-claim.
Home-owners is not Homeowners of America
Home-owners Insurance Company (26638) writes auto in Colorado and is this brand. Homeowners of America Insurance Company (12536) is an unrelated company with no motor-vehicle lines on the Colorado list. Auto-Owners Life (61190) and Auto-Owners Specialty (12508) share the name but are not the crash paper either — both are in the tables below.
Asking Auto-Owners for the other driver's liability limits
Under § 10-3-1117, C.R.S., an insurer has 30 days from receipt of a request to provide the name of the insurer, the name of each insured party as it appears on the declarations page, the limits of the liability coverage, and a copy of the auto policy. The Division says that when it is not the insurer's registered agent, the request form goes by mail to the registered agent listed. For all three Auto-Owners motor-vehicle companies, the Division's automobile liability-limit address list (updated October 1, 2026) shows CT Corporation System, 7700 E Arapahoe Rd Ste 220, Centennial, CO 80112. What those limits mean for an injury claim is covered in bodily injury liability coverage and who pays after a Colorado accident. Reporting deadlines are covered in how long you have to report a crash to insurance.
Paper companies that are this brand
Rows are copied from the Division's monthly registered-agent list dated 2026-09-01. Registered agent is Colorado service of process, not the claims office. CSC in Littleton and CT in Centennial are shared by hundreds of unrelated companies. Empty street fields stay empty — we do not invent a Colorado address. If DOI prints DEFAULT and an out-of-state city, we print that too.
Auto-Owners motor-vehicle paper
| NAIC | Legal name | Registered agent | Street | City / ZIP | Lines | CO effective |
|---|---|---|---|---|---|---|
| 18988 | Auto-Owners Insurance Company | CT CORPORATION SYSTEM | 7700 E ARAPAHOE RD STE 220 | CENTENNIAL, CO 80112-1268 | Accident and Health, General Casualty, Workers' Compensation, Fidelity and Surety, Motor Vehicle (Casualty), Motor Vehicle (Property), Professional Malpractice, General Property | 2022-09-14 |
| 32700 | Owners Insurance Company | CT CORPORATION SYSTEM | 7700 E ARAPAHOE RD STE 220 | CENTENNIAL, CO 80112-1268 | Professional Malpractice, General Property, Workers' Compensation, General Casualty, Motor Vehicle (Casualty), Motor Vehicle (Property), Accident and Health, Fidelity and Surety | 2022-09-14 |
| 26638 | Home-owners Insurance Company | CT CORPORATION SYSTEM | 7700 E ARAPAHOE RD STE 220 | CENTENNIAL, CO 80112-1268 | Workers' Compensation, General Casualty, Motor Vehicle (Casualty), General Property, Fidelity and Surety, Motor Vehicle (Property) | 2022-09-14 |
Same brand, not the auto company
Licensed, but not the wreck
| NAIC | Legal name | Registered agent | Street | City / ZIP | Lines | CO effective | Why not auto |
|---|---|---|---|---|---|---|---|
| 61190 | Auto-Owners Life Insurance Company | CT CORPORATION SYSTEM | 7700 E ARAPAHOE RD STE 220 | CENTENNIAL, CO 80112-1268 | Annuities, General Life, Accident and Health | 2022-12-02 | Life and annuity writer — no motor-vehicle lines |
| 12508 | Auto-Owners Specialty Insurance Company | CORPORATION SERVICE COMPANY | 1900 W LITTLETON BLVD | LITTLETON, CO 80120-2023 | General Property, General Casualty | 2025-02-06 | Property and general casualty only — no motor-vehicle lines on the Colorado list |
Lookalikes that are not this brand
Do not treat as this claim
| NAIC | Legal name | Registered agent | Street | City / ZIP | Lines | CO effective | Why not |
|---|---|---|---|---|---|---|---|
| 12536 | Homeowners of America Insurance Company | REGISTERED AGENT SOLUTIONS, INC | 36 S 18TH AVE STE D1 | BRIGHTON, CO 80601-2452 | General Property, General Casualty | 2022-11-21 | Unrelated home writer — not Home-owners Insurance Company (26638), no motor-vehicle lines |
First-party versus third-party on this crash
If Auto-Owners insures the other driver, you are a third-party claimant on their liability policy. If Auto-Owners is on your own declarations page, you may also have UM/UIM, MedPay, or collision on a first-party file. Those jobs are not the same. UIM lives on our Colorado UIM guide. Fault share lives on comparative negligence. The process timeline lives on the claim process page. We do not rewrite those here.
How to report — and when that is enough
Official report-a-claim page: call your local independent Auto-Owners agent first; if the agent is unavailable or it is after hours, call 1-888-252-4626. Claim status and the assigned claim representative show in the online access account, or ask the agent. Phone 888-252-4626. (source: official page). A shop supplement or a short rental bill often does not need a lawyer. Quote shopping never does. A stuck injury claim, a coverage fight on your own UM/UIM, or a named carrier that will not move after the records are in is the job we take. Car-value fights start at lowball offers.
License verify and a Division complaint
Confirm the NAIC is licensed in Colorado through the Sircon consumer inquiry. Complaints start on the Division file-a-complaint page. Consumer Services 303-894-7490 / 800-930-3745 (outside Denver metro), M–F 8–5. We are not the Division.
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