Frankenmuth Homeowners Insurance Review 2024

Frankenmuth sells homeowners insurance in Michigan and Ohio.
Sarah Schlichter
By Sarah Schlichter 
Published
Edited by Caitlin Constantine

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Frankenmuth

4.5

NerdWallet rating 
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
insurance-product-card-logo

Frankenmuth

4.5

NerdWallet rating 
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 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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Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating home insurance companies.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners, and here’s how we make money.

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:

Type of coverage

What it does

Pays to repair or rebuild the structure of your home.

Covers damage to unattached structures such as sheds or fences.

Pays to repair or replace personal belongings such as furniture or clothing.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Covers legal expenses and damages if you're responsible for injuries to other people or their property.

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:

  • 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.

  • Limited guaranteed replacement cost coverage, which gives you extra money to rebuild your home in case your dwelling coverage isn’t enough.

  • Ordinance or law coverage to bring your home up to current building codes after a covered claim.

  • Water backup coverage for damage after a sewer or drain backs up into your home.

  • Equipment breakdown coverage in case your water heater, HVAC system or other major appliances break down.

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:

  • Bundling auto or life insurance with your homeowners policy.

  • Getting a quote in advance.

  • Not having any recent claims.

  • Installing protective devices in your home.

  • 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.)

Current Product

Frankenmuth Home Insurance
Auto-Owners Home Insurance
Allstate Homeowners Insurance
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 

About average

Coverage 

About average

Coverage 

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:

Frequently asked questions

In addition to homeowners insurance, Frankenmuth sells auto, life, umbrella, renters and condo insurance, among other products.

Frankenmuth Insurance was founded in 1868 in Frankenmuth, Michigan.

Although Frankenmuth currently sells homeowners policies in only two states, it has a broader reach when it comes to business insurance and other policies. It operates in 15 states through its commercial lines of business and its subsidiary, Patriot Insurance.

Methodology

Homeowners insurance star ratings methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full ratings methodology for home insurance.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Homeowners insurance rates methodology

NerdWallet averaged rates for 40-year-old homeowners from various insurance companies in every ZIP code across the U.S. All rates are rounded to the nearest $5.

Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:

  • $300,000 in dwelling coverage.

  • $30,000 in other structures coverage.

  • $150,000 in personal property coverage.

  • $60,000 in loss of use coverage.

  • $300,000 in liability coverage.

  • $1,000 in medical payments coverage.

We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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