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  • Available in Michigan

At Fremont Insurance, we understand how much hard work goes into making a house a home. Not only is your house a lifetime investment, it's also the place where you raise your family and make irreplaceable memories. Whether you're looking to insure your first home or your forever home, we have a homeowners insurance policy to match your lifestyle and your budget.

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Standard Coverages


This coverage helps pay for damages to the physical structure of your house and anything permanently attached, like your garage.

Other Structures

This coverage helps pay for damages to physical structures that are not attached to your house, like a shed or a detached garage.

Personal Property

This coverage reimburses you if the contents in your house are damaged, destroyed, lost, or stolen.

Loss of Use

If your house is damaged and you can no longer safely live there, this coverage will reimburse you for your expenses while you live somewhere else (like a hotel) while your house is repaired.

Personal Liability

This coverage provides protection if you’re found legally liable to have caused bodily injury or property damage to someone else.

Medical Payments

This coverage provides protection from injuries that occur at your residence (e.g. a friend slipped on your icy stairs).

Additional Coverages & Programs


This coverage gives you unlimited firearm theft protection, up to the full value of your policy contents coverage.

Seasonal Dwelling

We offer specialized coverage for your seasonal or vacation home, whether your primary residence is insured through us or someone else.

Home Business Program

This program protects you from certain risks to your business if you conduct business directly from your home.

Identity Fraud Expense

This enhanced coverage reimburses you for up to $15,000 in identity theft expenses.

Back-Up of Sewers or Drains

This endorsement provides coverage for direct physical loss caused by water back-up through sewers, drains, and sump pumps.

Tree Removal

This endorsement provides coverage for tree debris removal up to $500 per occurrence, subject to the policy deductible.

File a Claim

When the unexpected happens, Fremont Insurance is by your side to help you reclaim whatever you lost. We’re committed to ensuring a smooth claims experience by keeping you informed every step of the way.

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Ways to Save

We’re dedicated to helping our customers get the most coverage at the best rate. That’s why we look for opportunities to save you money.


You must bundle more than one insurance policy to qualify.


If you're a non-smoker, you may qualify for a discount on your policy.

Premises Alarm or Fire Protection System

You must have a security or fire alarm system installed in your home to qualify.

New Home

You must be insuring a newly-constructed home to qualify.

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