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Homeowner Insurance For The Way You Live

At Franklin Mutual Insurance, we recognize your home is more than an investment and place to live. It’s a safe haven where friends and family gather, memories are made, and your most valued possessions reside. Give your home and loved ones the protection they deserve with extensive property and liability coverage that can be customized to meet your needs and budget.

Less Exclusions, More Coverage

Our homeowner insurance policies clearly state in writing exactly what is excluded from coverage; losses from any other causes are covered. It’s that simple. In addition, your personal property is written on a replacement-cost basis, meaning you’re reimbursed for what it costs to buy new regardless of depreciation due to age or wear and tear.

Added Protection with Extended Limit Homeowner Endorsement

For the ultimate in financial protection, Franklin Mutual Insurance offers an extended limit homeowner endorsement. If the cost to rebuild or repair your damaged home exceeds the coverage limit on your policy, we will pay up to 150% of the stated limited.

Money Saving Discounts

You may be eligible for homeowner insurance savings with discounts for:

  • Customer loyalty
  • New homes (less than 12 years old)
  • Alarms and alarm systems
  • Fire sprinklers
  • Mature homeowner (Age 55+)
  • Higher deductibles

In addition, FMI homeowner policyholders may be eligible to receive a FREE Roost Smart Water Leak and Freeze Detector. The wireless leak detector is designed to sense water leaks, humidity or freezing temperature situations, and deliver smartphone alerts via the Roost mobile app to help minimize damage and ensure peace of mind.  The device sets up in less than five minutes and can be easily located in places around the home that are most prone to water leaks such as near hot water heaters, sump pumps, washing machines, sinks, toilets, dishwashers and refrigerators.

 Enjoy special partner discounts on additional Roost Smart Leak Detectors and Smart Batteries here.

Customize Your Coverage

Your home and its contents aren’t the same as your neighbor’s, so your homeowner policy shouldn’t be either. Franklin Mutual Insurance offers a wide variety of coverage enhancements that give you the flexibility to build your homeowner policy on your terms, including:

Franklin Mutual’s home insurance is available exclusively through a select group of local professional independent insurance agents who understand your specific needs and can personalize a policy for the way you live.