Thanks to your efforts in placing quality homeowner business, Frankenmuth Insurance experienced profitable results in Homeowners this year. In fact, the year-to-date Michigan Home loss ratio is 55.5%.  

Even better, these profitable results allow us to make changes to the 2019 homeowner rates, which we hope will assist you in writing and retaining more quality business with us.

Effective Feb. 1, 2019, we are making the following changes to the homeowner product:  

Overall Rate Change: 0.0%

• HO-3 (Home Protector / Special Form): 0.2%

• HO-4 (Tenant): -3.5% 

• HO-6 (Condo): -4.2% 

• HO-9 (Ultra Home Guardian): 0.2%

In addition to the revisions listed above, we are fine-tuning a few Insurance Score and Age of Roof relativities, Affinity Group discounts and increasing rates for Water Back-up of Sewers or Drains coverage. Please feel free to contact your Personal Lines field manager or underwriter for specific questions in these areas.

We are confident these revisions will provide us both with the foundation for improved profitable growth results next year.

Thank you for your continued support of Frankenmuth Insurance.