Frankenmuth Insurance Review & Complaints: Auto, Home & Life Insurance (2024)
Frankenmuth Insurance company offers the big three: auto insurance, home insurance, and life insurance, along with a selection of common commercial products. Frankenmuth Insurance quotes are not available online, but the company has an A+ rating with the Better Business Bureau.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Jan 30, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jan 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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About Frankenmuth Insurance
Like many insurance companies in the late 19th Century, Frankenmuth was founded by a group of people looking for a shared method of protection against loss. In this specific case, it was a group of German immigrants that created Frankenmuth in 1868, naming it for the city in which it was created.
As cars become more popular, Frankenmuth responded with the creation of Frankenmuth Mutual Auto Insurance Company. In 1941 the original association became known as Frankenmuth Mutual Fire Insurance company, and within two decades the two companies had been merged into one.
Frankenmuth looked to expansion in the 1970s moving into several other surrounding states, including Ohio, Wisconsin, and Indiana. Further expansion came in the following decades, and in 2007 a merger with Patriot Insurance moved the company into New England.
Today Frankenmuth still operates largely in the Midwest, and Patriot continues to write insurance under its original name in the New England area. Not all of the company’s products are offered in all states; many have access only to commercial lines, with personal insurance products more limited in regional scope. Your one-stop online insurance guide. Get free quotes now! Secured with SHA-256 Encryption
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What are Frankenmuth Products?
Frankenmuth’s personal lines offerings include the big three: auto insurance, home insurance, and life insurance, along with a selection of specialty products. They also have a variety of common commercial products.
Home Insurance
Frankenmuth has two levels of homeowner’s insurance available.
The Home Protector is their standard homeowner’s insurance program, covering structures, personal property, and personal liability. The policy includes replacement cost coverage for both the dwelling and for personal property, and a selection of other common coverage.
The Ultra Home Guardian is a higher-level policy that adds additional coverage not found on the more basic option. This includes coverage for sewer and drain backup, lock replacement, evacuation expenses, fire department service charges, and more items that are not included in most home insurance policies.
Frankenmuth also provides coverage for a range of other home needs. This includes a condo policy that provides walls-in coverage, and a renter’s insurance policy to protect tenants’ personal property. They also write policies specifically for rental properties.
Manufactured home insurance is available only in Michigan.
Auto Insurance
The auto insurance policy differs somewhat from state to state, but covers all of the basics as well as offering a variety of options. The list of options does not hold any surprises; they are all common choices such as roadside assistance, rental car coverage, and a business use endorsement as well.
Frankenmuth also has a collector car program that they underwrite directly. This is unusual, as many insurance companies – even the big ones – pass this offer to specialty insurance companies.
Specialty Insurance
Frankenmuth has insurance programs for watercraft as well as for recreational vehicles.
The watercraft program includes coverage for basic boats as well as a yacht program for crafts of 26’ or larger.
Recreational vehicle coverage includes snowmobiles, ATVs, travel trailers, motor homes, golf carts, and motorcycles (in Michigan only). (For more information, read our “Best Car Insurance Company for a Golf Cart“).
Life Insurance
Frankenmuth offers both term life insurance and whole life insurance policies but does not give much detail on the programs. Visitors to the site are directed to an agent for more information.
Commercial Insurance
Available in more states than the personal lines, commercial coverage is available in a wide range of options.
Two package policies are offered, the Business Owners for smaller companies that fit the requirements, and commercial package policies for those that cannot be insured with a BOP. These both include basics like liability and property coverage, and add on additional customized coverage as well.
Frankenmuth’s list of commercial options includes:
- Commercial Auto
- Commercial Umbrella
- Employment Practices Liability
- Worker’s Compensation
- Equipment Breakdown
- Cyber and Data Coverage
- Professional Liability
- Surety Bonds
- Safety Services
- Industry-Specific Solutions
How to Get Rates
Frankenmuth does not offer online quoting and firmly defends that decision by arguing that only an agent can help you to determine what you really need for coverage and create the policy that is right for your needs.
This point is a good one, but in the modern age online quoting is something many people expect, and it may deter people from considering a company among their options. This is particularly true when getting a quote results in solicitation attempts.
Frankenmuth Insurance Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Frankenmuth Insurance offers a modern and convenient claims process for policyholders. They allow claims to be reported online through their website, providing an easy and accessible way to initiate a claim.
Additionally, they have a toll-free, 24/7 claims reporting line, ensuring that customers can report claims at any time, day or night. This flexibility is a positive aspect of their claims process, as it accommodates different preferences and schedules.
Average Claim Processing Time
While the content provided does not specify the exact average claim processing time, Frankenmuth’s efficient online claims reporting system and the availability of a 24/7 claims reporting line suggest a commitment to prompt claim handling. Customers can expect timely responses and assistance when filing claims, contributing to a smoother claims experience.
Customer Feedback on Claim Resolutions and Payouts
Frankenmuth Insurance maintains a positive reputation when it comes to claim resolutions and payouts. The company has received an A+ rating with the Better Business Bureau (BBB) and has only received four complaints in the past three years, indicating a strong track record of resolving customer issues satisfactorily.
Furthermore, customer reviews on the BBB website are generally positive, with a 3.5-star rating, highlighting the company’s commitment to fair and efficient claim settlements.
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Digital and Technological Features of Frankenmuth Insurance
Mobile App Features and Functionality
While the provided content does not detail the specific features and functionality of Frankenmuth Insurance’s mobile app, it is mentioned that they offer a modern claims process that allows customers to report claims online.
Mobile apps often complement these online services, providing policyholders with a convenient platform for managing their policies, viewing claim status, and accessing other insurance-related information. To provide comprehensive information on their mobile app, additional research may be required.
Online Account Management Capabilities
The content does not elaborate on the online account management capabilities of Frankenmuth Insurance. However, it is reasonable to assume that the company offers online account access, allowing policyholders to view policy details, make payments, and manage their accounts digitally.
To provide a more detailed overview, it may be necessary to explore the insurer’s official website or conduct further research.
Digital Tools and Resources
The content does not specify the digital tools and resources offered by Frankenmuth Insurance. Digital tools can include educational resources, calculators, and informational content designed to help customers understand insurance products better. To provide a comprehensive overview of their digital offerings, additional research on the insurer’s website and resources may be required.
What are the ratings and consumer reviews?
Frankenmuth has a financial strength rating of A+ with the Better Business Bureau (BBB), with only four complaints in the past three years. They became accredited only recently, in 2018. Six customers have left reviews, most of them very positive, giving the company 3.5 stars overall. That is all good news for a company this big.
There are 20 reviews on Consumer Affairs, with a two-star rating overall. While there are more negative reviews here, that is very common for this site. There are also some positive reviews, which helps to balance the negatives and is always a good thing to see.
Yelp shows a similar situation – six reviews for three stars overall. In general, this company appears to have a pretty good reputation, with very few complaints for such a large insurer.
According to the National Association of Insurance Commissioners (NAIC), Frankenmuth Mutual Insurance company receives far fewer complaints than expected only about 20%.
Frankenmuth Insurance Review & Complaints:What’s the bottom line?
Frankenmuth as a good range of products and a solid reputation. They are a good choice if you do not mind working with an independent agent and prefer a regional company. Since we are unable to obtain rates, we cannot compare them on value, but we have a positive impression overall.
Frankenmuth’s largest subsidiary is Frankenmuth Mutual Insurance company. Its Patriot Insurance company subsidiary operates on the East Coast.
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Frequently Asked Questions
What types of insurance products does Frankenmuth Insurance offer?
Frankenmuth Insurance offers a range of insurance products, including auto insurance, home insurance, life insurance, and specialty products such as watercraft, recreational vehicles, and commercial insurance for businesses. They provide coverage for both personal and commercial needs.
What are the homeowner’s insurance options offered by Frankenmuth Insurance?
Frankenmuth Insurance offers two levels of homeowner’s insurance: the Home Protector and the Ultra Home Guardian. The Home Protector is their standard homeowner’s insurance program, covering structures, personal property, and personal liability. The Ultra Home Guardian provides additional coverage, including sewer and drain backup, lock replacement, evacuation expenses, and more.
What auto insurance coverage options are available from Frankenmuth Insurance?
Frankenmuth Insurance offers auto insurance coverage that varies from state to state but covers the basics. They also provide options such as:
- Roadside assistance
- Rental car coverage
- Business use endorsement
Additionally, they have a collector car program for insuring classic and specialty vehicles.
What types of specialty insurance does Frankenmuth Insurance offer?
Frankenmuth Insurance provides specialty insurance programs for watercraft, including basic boats and yachts, as well as coverage for recreational vehicles such as:
- Snowmobiles
- ATVs
- Travel trailers
- Motorhomes
- Golf carts
- Motorcycles (in Michigan only).
How do I file a claim with Frankenmuth Insurance?
Frankenmuth Insurance allows claims to be reported online through their website. They also provide a toll-free, 24/7 claims reporting line for immediate assistance. Policyholders can choose to use Frankenmuth’s preferred vendor network for repairs or select their own preferred repair shop. The website offers comprehensive information about the claims process, including an FAQ section.
What are the ratings and consumer reviews for Frankenmuth Insurance?
Frankenmuth Insurance has an A+ rating with the Better Business Bureau (BBB) and has received only four complaints in the past three years. Customer reviews are generally positive, with a 3.5-star rating on the BBB website. However, it’s important to note that review sites like Consumer Affairs and Yelp may contain a mix of positive and negative reviews, as is common for many insurance companies.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.