Frankenmuth
- Free travel assistance and identity theft support.
- Draws very few consumer complaints for an insurer of its size.
- Offers online claims filing.
- Doesn't offer online quotes.
- Limited state availability.
About Frankenmuth home insurance
NerdWallet rated Frankenmuth homeowners insurance 4.4 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.
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Answer a few questions to see custom quotes and find the right policy for you.Where Frankenmuth home insurance stands out
Perks. Frankenmuth offers free access to experts who can help if you lose your passport or someone steals your identity.
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.
Online claims filing. You can file a homeowners claim through your online account.
Where Frankenmuth home insurance falls short
No online quotes. You’ll need to work with an independent agent to get a policy from Frankenmuth.
Availability. Frankenmuth sells homeowners insurance in only two states.
What Frankenmuth home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
For more details, see What Does Homeowners Insurance Cover?
Frankenmuth offers the standard coverage above, plus access to expert assistance if your identity is stolen or you lose your travel documents on vacation.
Optional Frankenmuth home insurance coverage
You may be able to add the following to your policy:
Replacement cost coverage for personal property. Ensures that you’ll receive enough money 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. Gives you extra money to rebuild your home in case your dwelling coverage isn’t enough.
Ordinance or law coverage. Brings your home up to current building codes after a covered claim.
Water backup coverage. Pays for damage after a sewer or drain backs up into your home.
Equipment breakdown coverage. Pays for repairs if 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 policy. It includes extra coverage for things like:
Water backup.
Debris removal.
Landscaping damage.
Lock replacement.
What’s not covered
Homeowners insurance policies, including those from Frankenmuth, generally don’t cover damage due to:
Neglect or wear and tear.
Landslides, mudslides or mudflow.
Flooding is the most common disaster in the U.S., and you don’t have to live near the beach to be at risk. Discover why you might need flood insurance, even if your mortgage lender doesn’t require it.
Where Frankenmuth home insurance is available
Frankenmuth sells homeowners policies in Michigan and Ohio. A Frankenmuth subsidiary, Patriot Insurance, serves homeowners in Maine, New Hampshire and Vermont.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
- Find the best home insurance in your state
Frankenmuth home insurance sample rates
The average cost of Frankenmuth homeowners insurance in Ohio is $1,465 per year, according to NerdWallet’s rate analysis. That’s slightly less than the state average of $1,590.
In Michigan, Frankenmuth homeowners insurance costs an average of $1,785 per year, cheaper than the state average of $2,095.
Our sample rates are for 40-year-old homeowners with good credit, a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your own rates will be different.
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.
» MORE: The cheapest home insurance
Consumer complaints
One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Frankenmuth scores highly on this measure, drawing a very low proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
How to file a claim with Frankenmuth
You can file a claim on the Frankenmuth website, by calling your agent or by dialing the company directly at 800-234-4433.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
How to contact Frankenmuth customer service
Phone: For help with your policy, reach out to your agent or call 800-234-1133.
Email: You can send a message via Frankenmuth’s website.
Online tools
Website: You can use Frankenmuth’s website to file claims, make payments, see policy information and sign up for electronic statements. But you can’t get a homeowners insurance quote online, and coverage details on the site are limited.
Mobile app: Download the Frankenmuth mobile app to view policy documents, pay your bill and contact your agent.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
What other types of insurance does Frankenmuth offer?
What other types of insurance does Frankenmuth offer?
In addition to homeowners insurance, Frankenmuth sells auto, life, umbrella, renters and condo insurance, among other products.
How long has Frankenmuth Insurance been in business?
How long has Frankenmuth Insurance been in business?
Frankenmuth Insurance was founded in 1868 in Frankenmuth, Michigan.
How big is Frankenmuth Insurance?
How big is Frankenmuth Insurance?
Although Frankenmuth sells its own branded homeowners policies in only two states, it has a broader reach with other types of insurance. It operates in 15 states through its commercial lines of business and its subsidiary, Patriot Insurance.
Star rating 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, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. 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.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with 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.
