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Frankenmuth
4.5
Small regional insurer that sells homeowners insurance through independent agents in select states.
Coverage options
About average
Discounts
Average set of discounts
NAIC complaints
Far fewer than expected
Frankenmuth
4.5
Small regional insurer that sells homeowners insurance through independent agents in select states.
Coverage options
About average
Discounts
Average set of discounts
NAIC complaints
Far fewer than expected
About Frankenmuth home insurance
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet rated Frankenmuth homeowners insurance 4.5 stars out of 5 for overall performance. Frankenmuth home insurance comes with the basic coverage you’d expect, plus optional extras you can add on and a couple of useful perks. The company sells homeowners policies through independent agents in Michigan and Ohio.
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Where Frankenmuth stands out
Low consumer complaints. Very few people file complaints about Frankenmuth with their state insurance departments, suggesting that the company keeps most of its policyholders happy.
Perks. Frankenmuth offers free access to experts who can help if you lose your passport or someone steals your identity.
Where Frankenmuth falls short
Availability. Frankenmuth sells homeowners insurance in two states only.
No online quotes. You’ll need to work with an independent agent to get a policy from Frankenmuth.
State availability
Frankenmuth sells homeowners policies in Michigan and Ohio.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
Frankenmuth home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Pays to repair or rebuild the structure of your home. |
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Covers damage to unattached structures such as sheds or fences. |
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Pays to repair or replace personal belongings such as furniture or clothing. |
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Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs. |
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Covers legal expenses and damages if you’re responsible for injuries to other people or their property. |
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Covers injuries to guests in your home, regardless of fault. |
Frankenmuth offers the standard coverage above, plus access to expert assistance if your identity is stolen or you lose your travel documents on vacation.
You may also be able to add the following to your policy:
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Replacement cost coverage for personal property, which ensures that you’ll receive enough of a payout to buy new replacements for damaged items after a covered claim. If you don’t choose this option, your stuff will have actual cash value coverage instead, meaning your items will be valued less due to depreciation.
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Limited guaranteed replacement cost coverage, which gives you extra money to rebuild your home in case your dwelling coverage isn’t enough.
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Water backup coverage for damage after a sewer or drain backs up into your home.
Owners of higher-value homes may be interested in Frankenmuth’s Ultra Home Guardian product. This policy includes extra coverage for things like water backup, debris removal, landscaping damage, identity theft recovery and lock replacement.
Frankenmuth home insurance rates
The average cost of Frankenmuth homeowners insurance in Ohio is $1,085 per year, according to NerdWallet’s rate analysis. That’s slightly less than the state average of $1,140.
In Michigan, Frankenmuth homeowners insurance costs an average of $1,040 per year, more than $300 cheaper than the state average of $1,345.
Discounts
You may be able to save money on Frankenmuth home insurance by:
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Bundling auto or life insurance with your homeowners policy.
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Getting a quote in advance.
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Not having any recent claims.
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Installing protective devices in your home.
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Signing up for certain payment plans.
Consumer complaints
Frankenmuth had far fewer than the expected number of complaints to state regulators relative to its size for home insurance, according to three years’ worth of data from the National Association of Insurance Commissioners.
Consumer experience
Website: You can use Frankenmuth’s website to file claims, make payments, see policy information and sign up for electronic statements. However, you can’t get a homeowners insurance quote online, and coverage details on the site are limited.
App: Download the Frankenmuth app to view policy documents, pay your bill and contact your agent.
Claims: You can file a claim online on the Frankenmuth website, or by calling your agent or dialing the company directly at 800-234-4433. Learn more about how to file a home insurance claim.
Customer service: For help with your policy, reach out to your agent, send a message via Frankenmuth’s website or call 800-234-1133.
Bottom line
Frankenmuth might be a good fit if you prefer the personal service of a local agent and want to support a small regional insurer. But if you live outside of Michigan or Ohio, you’ll have to look elsewhere. (Note that a Frankenmuth subsidiary, Patriot Insurance, serves homeowners in Maine, New Hampshire and Vermont.)
NerdWallet rating
4.5 /5 |
NerdWallet rating
4.5 /5 |
NerdWallet rating
4.0 /5 |
Complaints to NAIC Far fewer than expected |
Complaints to NAIC Fewer than expected |
Complaints to NAIC More than expected |
Coverage options About average |
Coverage options About average |
Coverage options About average |
Discounts Average set of discounts |
Discounts Great set of discounts |
Discounts Great set of discounts |
Bottom line Small regional insurer that sells homeowners insurance through independent agents in select states. |
Bottom line Auto-Owners offers plenty of ways to customize your policy and save money on home insurance. |
Bottom line Widely available across the U.S. with lots of ways to customize your policy, but receives more complaints than expected. |
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
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