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Personal Automobile Insurance |
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Boat & Sport Vehicle Insurance |
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Classic Auto Insurance |
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Dwelling Fire |
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Homeowners Products |
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Personal Umbrella |
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Yacht |
Personal Auto
Personal Automobile Insurance is an important line of business at Frankenmuth Insurance. It has been a core product for us since 1921. As a result, we place great emphasis on ensuring we have a comprehensive policy and a competitive price. We write 600 to 800 new automobile policies each month and that number grows. Why?
- Competitive Rates – We continually review our rates to ensure we attach the best rate to the best product.
- Rewards – We encourage good driving habits through preferred rates for drivers without at-fault accidents or violations.
- Comprehensive Coverage – We continually work to make sure our personal auto customers not only receive good rates but the broadest, most equitable coverage for their dollars.
- Superior Service – Today’s personal auto policyholders expect exceptional service from their agents. We support our agents’ efforts to provide the best service by ensuring quick turnaround time on applications and amendments, multiple billing options and fast, friendly claim service.
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Sport Vehicles
Frankenmuth’s Boat & Sport Vehicle Program was designed to protect you against risks every pleasure boater and sport vehicle operator faces.
We can insure the following types of boat or vehicle:
- Outboard, inboard, and inboard/outboard boats under 26ft., (see our Yacht program for boats over 26ft.)
- Personal watercraft and eligible jet boats
- Sailboats
- Sport or Recreational vehicles such as snowmobiles and 4-wheel ATV’s.
We prefer insuring pleasure vehicles when operated by responsible, experienced adults as part of a complete homeowner account.
Broad physical damage coverage is available for boats, motors, boat equipment, sport vehicles and transporting trailers. Liability coverage for property damage, bodily injury and medical payments is also available. Additional coverage may be purchased and added to the watercraft policy such as:
- Uninsured Watercraft Coverage
- Sports equipment coverage for fishing gear, water skis, wakeboards, etc.
- Temporary use of substitute boats
- Liability coverage for Rented Boats up to 50HP
- Towing and Labor costs provided for labor performed at the place of disablement
- Agreed value loss settlement on total losses for boats over 17 feet.
- Uninsured Sports Vehicle Coverage -- Ohio ONLY
We offer discounts to watercraft premiums for individuals who have completed coast guard training and for those who use certain types of navigational equipment on their watercraft. Plus, all rates have been discounted to allow for seasonal use. Thus, it is not necessary to cancel or rewrite a watercraft or sport vehicle coverage seasonally.
Please contact your Frankenmuth Insurance independent agent for details
on eligibility and premium options.
Collectible Car
Besides providing coverage for standard cars and trucks, we also provide one of the most competitive Collector Car policies on the market. Finely tailored coverage with very competitive rates for antique, classic and specialty vehicles make our Collector Car program the perfect tool for protecting your clients’ “pride and joy” on wheels.
- “Agreed Value” loss settlement on total losses combined with
single premium charges
for multiple cars and rates based on seasonal use show our policy is in “mint
condition” like the vehicles it was designed to insure.
Dwelling Fire
Our dwelling fire program provides an avenue for writing homes or residences outside the range of risks covered by our Homeowner policies.
Dwelling fire policies are especially useful for landlords, with options for single- and multiple-unit dwellings, owner occupied and non-owner occupied dwellings.
Three versions of our dwelling fire policy are available. They differ in the amount of coverage provided and the manner in which losses are settled. However, each includes coverage for the dwelling, any “other structures” on premises (for a specified amount) and fair rental value (for a specified amount).
Policyholders may obtain coverage for other costs that could arise if a rental unit is damaged or someone is injured on the premises. Please see your Frankenmuth Insurance independent agent for available options and associated premiums.
Homeowner's Products
Frankenmuth Insurance Homeowners policies provide a combination of property
and liability coverages designed to protect policyholders from the financial
consequences of personal loss. We offer a variety of policies tailored
to specific needs:
Ultra Home Guardian
This is our premiere home policy designed especially for clients seeking
“the best” in insurance coverage. Our Ultra Home Guardian
policy includes many coverages normally purchased separately and a number
that are simply not available elsewhere.
Home Protector
This comprehensive homeowner policy protects homes of all values. It is
our most widely written homeowner product, providing coverage for contents,
outbuildings, loss of use, and more. Our Home Protector has the flexibility
to meet every clients needs.
Tenant & Condominium
Mirroring our Home Protector policy in scope, Tenant and Condominium policies
are tailored for policyholders who have limited or no structural exposure.
They provide affordable protection for clients whose greatest concern
is contents.
Dwellings Under Construction
Homes under construction present unique risks many don’t consider.
Our policy protects against those risks, and takes effect the date construction
begins. Plus, we make the transition to a Home Protector or Ultra Home
Guardian policy easy.
Manufactured Homes -- Michigan ONLY
This policy covers a mobile-manufactured home set on blocks, a foundation,
or otherwise made stationary. It accounts for the unique features inherent
in mobile-manufactured housing.
See the following articles for greater detail
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Personal Umbrella
Considering the litigious nature of our society, a personal umbrella policy is one of the best insurance purchases an individual can make. A personal umbrella policy provides worldwide liability coverage over and above the liability coverage provided by primary home and auto policies. Thus, it is aptly named “umbrella”.
Just a few examples of activities which might increase your exposure to lawsuits, thus furthering your need for a personal umbrella policy, include:
- Owning your own home
- Operating an automobile, boat, or sport vehicle
- Owning a swimming pool
- Owning a hot tub
For a relatively inexpensive premium, our personal umbrella
policy, with limits ranging from $1 million to $5 million, completes your
package of insurance protection.
Yacht
We in the Great Lakes region are fortunate to have the world’s greatest lakes available for our enjoyment. Many recognize our natural treasures and enjoy them with a yacht. We share that enthusiasm and have thus created a policy especially for yacht owners
We offer an all-risk policy with an “agreed value” loss settlement on total losses. The protection and indemnity (liability) portion of our Yacht policy provides broad coverage designed to shield policyholders from the effects of maritime law.
Unlike standard boat policies designed for smaller watercraft, our Yacht policy is much broader in scope. It includes, for example, coverage for salvaging a damaged yacht and for your legal liability to remove a wreck. It also provides uninsured boater coverages.
Add numerous optional coverages and credits, and we have a complete,
affordable yacht program policyholders won’t find elsewhere! Please
speak with your local independent agent for more detail.
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