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, Owners Insurance, and Home-owners Insurance Company are this regional brand. Many first-party files start with the independent agent who sold the policy, then 888-252-4626 on the official report-a-claim page. Source: auto-owners.com/claims/report-a-claim.
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 |
No licensed lookalike names on the Colorado list for this consumer brand. If a paper name is not in the table above, it is probably a different company — start at the hub lookalike strip.
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 lists 1-888-252-4626 (after-hours number on that page). Independent-agent writers often start FNOL with 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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