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Home is where life happens. Protect it with the right homeowners insurance.

Your home is not just a place. It’s where you do your best culinary work. It’s your home office. It’s your hobby shop. It’s where memories are made and life happens. So, when it comes to protecting your home and the things you value most, choose the right homeowners insurance.

At Frankenmuth Insurance, we understand every home and individual’s coverage needs are different. That’s why we offer two homeowners insurance options that can be tailored to fit your budget and coverage needs.

Our Home Protector coverage is designed for homes of all values and covers:

  • Personal property, such as furniture, appliances, electronics, clothing, etc.
  • Separate buildings on your property, such as pole barns and sheds
  • Personal liability to protect you if someone is injured on your property
  • Special limits to cover additional items of value, such as jewelry, firearms, watercrafts, etc.
  • Loss of use to help cover expenses related to lodging and meals if your home becomes uninhabitable

You can also purchase supplemental coverages to add to your policy for things like recreational vehicles, sewer or drain backups, and more. Learn more about Home Protector.

Our Ultra Home Guardian coverage is comprehensive and designed for high-value homes, typically over $300,000. This product covers everything in the Home Protector product, plus:

  • Temporary relocation expenses
  • Backup of sewers and drains
  • Replacement cost on contents/personal property
  • Scheduled jewelry and fine arts (agreed-upon value)
  • Identity fraud resolution
  • Deductible waiver on losses over $50,000
  • Debris removal
  • Volunteer wrongful acts
  • Mortgage extra expenses
  • Social Security check reimbursement
  • Credit card, debit card, forgery, and counterfeit money
  • Cell phone replacement
  • Service line
  • Personal luggage deductible waiver
  • Loss assessment

This product truly has all the bells and whistles if you want the most comprehensive coverage for your home. Learn more about Ultra Home Guardian.

Available homeowners discounts:

  • Multi-policy auto discount
  • Multi-policy life discount
  • Advance quote discount
  • Payment plan discount
  • Loss history discount
  • Protective device discount

Homeowners insurance is available to residents of Michigan and Ohio. Coverage is available in Maine, New Hampshire, and Vermont through our subsidiary, Patriot Insurance Company. Talk to one of our local, independent agents about your coverage needs, and they’ll guide you to the protection that’s right for you.