MENU Homeowners 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. Standard Coverages Dwelling 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 Firearm 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. CONTACT AN AGENT FOR A COMPLETE LIST OF COVERAGES 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. FILE A CLAIM 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. Multi-Policy You must bundle more than one insurance policy to qualify. Non-Smoker 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. CONTACT AN AGENT FOR A COMPLETE LIST OF DISCOUNTS Related Blog Articles CATEGORY: HOMEOWNERS Severe Weather Safety Tips: What To Watch For After a Storm CATEGORY: HOMEOWNERS Got Time on Your Hands? Create a Home Inventory for Insurance CATEGORY: HOMEOWNERS Lightning Safety Get Connected Social Media Channels Facebook Twitter LinkedIn Fremont Insurance Actions Find An Agent File A Claim Talk To Someone Email Visit Call Website Design by Gravity Works Products & Services For Individuals For Businesses For Farms Claims Center Roadside Assistance (800) 550-0325 Our Company About Fremont Careers Privacy Policy Connect Contact Us Find an Agent Pay Bill Policy Holder Login