A
Property-Owners Ins Co
Lansing,  MI
Rating Date
June 2026
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
3.67
Risk Adjusted
Capital Ratio #2
2.23
Loss
Ratio
38.07%
Total
Assets
679.27M
Capital
399.50M
Net
Premiums
264.87M
Net
Income
70.79M
My Lists My Alerts
Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
97
24
121
19.83%
23.88%
2024
158
17
175
9.71%
23.31%
2023
154
14
168
8.33%
22.83%
2022
422
92
514
17.90%
23.10%
2021
958
235
1,193
19.70%
22.81%
2020
768
194
962
20.17%
21.51%
Commercial Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
66
15
81
18.52%
49.08%
2024
68
14
82
17.07%
47.46%
2023
72
15
87
17.24%
47.29%
2022
154
25
179
13.97%
45.44%
2021
338
65
403
16.13%
44.40%
2020
317
55
372
14.78%
42.45%
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
537
237
774
30.62%
42.44%
2024
590
269
859
31.32%
41.75%
2023
772
250
1,022
24.46%
38.64%
2022
591
272
863
31.52%
39.39%
2021
591
315
906
34.77%
40.41%
2020
557
553
1,110
49.82%
48.09%
Homeowners & Farmowners
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
7,120
1,196
8,316
14.38%
38.98%
2024
5,029
1,053
6,082
17.31%
39.58%
2023
6,648
909
7,557
12.03%
36.96%
2022
5,011
1,067
6,078
17.56%
37.07%
2021
3,936
1,151
5,087
22.63%
39.17%
2020
4,417
1,158
5,575
20.77%
35.42%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
5
6
11
54.55%
13.25%
2024
10
2
12
16.67%
12.32%
2023
13
4
17
23.53%
16.34%
2022
8
7
15
46.67%
11.13%
2021
10
2
12
16.67%
18.93%
2020
9
6
15
40.00%
20.93%
Workers' Compensation
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
115
16
131
12.21%
34.83%
2024
135
19
154
12.34%
35.33%
2023
133
18
151
11.92%
35.67%
2022
135
31
166
18.67%
37.14%
2021
140
30
170
17.65%
35.46%
2020
108
15
123
12.20%
33.86%