Comprehensive Review of Frankenmuth Insurance: Unbiased Evaluation and Analysis

Comprehensive Review of Frankenmuth Insurance
Comprehensive Review of Frankenmuth Insurance | photo courtesy | Facebook


Frankenmuth Insurance, a regional insurance provider operating primarily in Michigan and Ohio, extends its services to Maine, New Hampshire, and Vermont through its subsidiary, Patriot Insurance.

This article aims to provide an impartial and transparent guide to Frankenmuth Insurance, combining personal research, experience, and insights from customer reviews.

The topics covered include an overview of the company, its pros and cons, reliability assessment, coverage details, regulatory compliance, customer reviews, and insights into the claims process and customer service.

Frankenmuth Insurance Overview

Founded in 1868 in Frankenmuth, Michigan, Frankenmuth Insurance emerged from a community of local farmers seeking protection against property fires.

Over its 150-year history, the company has evolved to offer a diverse range of insurance products, including auto, home, life, and business coverage.

With a mission to provide peace of mind during life’s unforeseen events, Frankenmuth Insurance boasts over 600 employees and a network of over 500 independent agents.

Pros and Cons of Frankenmuth Insurance

Here are the pros and cons of Frankenmuth Insurance


  • Long-standing history with over 150 years in the insurance industry.
  • A+ rating from A.M. Best, indicating financial strength and stability.
  • Diverse insurance offerings include discounts and benefits for enhanced coverage.
  • High ratings from the Better Business Bureau (BBB) and a low complaint ratio from the National Association of Insurance Commissioners (NAIC).


    • Limited availability, operating in only a few states
    • Absence of an online quoting system, requiring direct contact with agents for estimates
    •  Premiums, especially for auto insurance, may not be the most competitive in the market.

Is Frankenmuth Insurance a good company?

As a subsidiary of Patriot Insurance, it is generally considered a reliable company given its lengthy history, strong financial standing, and positive reputation.

However, areas for improvement include its online presence, pricing competitiveness, and addressing feedback regarding high premiums, communication issues, and a slow claims process.

With relatively few online reviews, potential customers are advised to compare Frankenmuth Insurance with other providers before making a decision.

Coverage Offered by Frankenmuth Insurance

Patriot Insurance extends its coverage across a spectrum of areas, including auto, home, life, and business insurance.

These offerings are designed to protect policyholders from a variety of risks, ensuring comprehensive financial security.

Here’s a breakdown of the coverage, along with a brief explanation of each:

      1. Auto Insurance:
        • Coverage Areas: liability, collision, comprehensive, medical payments, uninsured/underinsured motorist.
        • Additional Options: Roadside assistance, identity theft protection, pet injury coverage, rental car reimbursement.
      2. Home Insurance:
        • Coverage Areas: dwelling, personal property, liability, and additional living expenses.
        • Additional options: replacement cost, water backup, personal injury, ordinance or law, and special personal property coverage.
      3. Life Insurance:
        • Types of Insurance: term, whole, universal, variable universal.
        • Optional Riders: Accidental death, disability income, waiver of premium.
      4. Business Insurance:
        • Types of Insurance: Property, liability, workers’ compensation, commercial auto, umbrella.
        • Additional endorsements: equipment breakdown, business income, cyber liability, and employment practices liability.

By offering a variety of coverage options within each insurance category, Frankenmuth Insurance ensures that policyholders can tailor their insurance plans to suit their unique needs.

This flexibility allows individuals and businesses to construct policies that provide the right balance of protection and affordability.


Frankenmuth Insurance Regulatory Compliance

Regulated by the state insurance departments where it operates, Patriot Insurance adheres to licensing, solvency, and market conduct standards.

It is also a member of state insurance guarantee associations, safeguarding policyholders in case of insolvency.

Frankenmuth Insurance Customer Reviews

Customer reviews for Patriot Insurance are limited, with varying ratings from different platforms.

While some praise the company’s responsiveness, coverage, and reasonable rates, others express dissatisfaction with high premiums, poor communication, and a perceived slow claims process.

Notably, the company has a 3.9/5 rating on Clearsurance, a 2.8/5 rating on ConsumerAffairs, and a 4.1/5 rating on Glassdoor.

Frankenmuth Insurance Claim Process and Customer Service

Filing a claim with Patriot Insurance can be done online or by phone.

The process involves providing necessary information and documentation, with customers typically contacted by an adjuster within 24 hours.

The overall duration of the claims process varies based on the complexity of the claim.


Patriot Insurance, while boasting a robust history and positive aspects, has limitations such as limited availability, a lack of online quoting, and premium competitiveness.

Customer reviews suggest a mixed experience, emphasizing the importance of comparing options before choosing Frankenmuth Insurance for insurance needs.

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