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In-depth Review Of Frontline Insurance

Last modified: Oct 18, 2022

Overall Raiting: 6.4
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Financial Strength: A
BBB Rating: Not rated
Coverages: 5/5
Discounts: No discounts offered
Support: phone, email, website,
Pricing: affordable
User Ratings: Lower ratings
Availability: 5 states

Choosing the best home insurance is essential to protect your most valuable asset. But, with so many different home insurance companies on the market, it can be challenging to choose the best provider to match your needs. Selecting the right home insurance cover for your property requires research, and you will need to compare different providers and the plans they offer to make the right choice. 

This article will provide an in-depth review of Frontline Insurance to provide you with crucial information about the company and what it offers, including its: 

About Frontline Insurance

Frontline Insurance company was founded in 1998, and for more than 20 years, it has helped protect a range of different properties. It offers a customizable insurance solution for homes in coastal areas. According to the Frontline Insurance website, the company has paid $2.4 billion in claims over the two decades it has been operating.

Frontline has hundreds of insurance agents across five states ready to help customers with their insurance needs. Thanks to their teams of agents, Frontline Insurance brings a personal touch to homeowners. Rather than getting a quote online, you will instead deal with an agent located in your area.

What States Does Frontline Insurance Operate In?

Frontline Insurance has its main office in Florida and operates across the southeast in: 

Frontline tailors its insurance to provide solutions directly suited to customers’ needs in each of these states.

How Long Has Frontline Insurance Been Around?

Knowing how well established an insurance company is and how long it has been operating can provide you with peace of mind that it has experience and knowledge that you can depend on in your time of need. So, if you are wondering how long Frontline Insurance has been in business, you will be pleased to know that it has been operating since 1998. 

Frontline has provided insurance plans for more than two decades in Alabama, Florida, Georgia, and South Carolina. Plus, it has been available to residents of North Carolina for over ten years. 

How Is Frontline Insurance Related to First Protective Insurance Company?

First Protective Insurance Company underwrites the insurance policies for Frontline Insurance.

Frontline Insurance Financial Strength 

Assessing the financial stability of an insurance company is especially crucial in coastal areas prone to hurricane and storm damage. This is because if a significant weather event occurs, the insurer will potentially need to deal with many claims and make payouts to a large number of customers. So, if you are considering taking out an insurance plan with Frontline Insurance, understanding their financial strength is crucial.

The company’s financial rating reviews are positive and show a high financial strength. Here is how Frontline Insurance’s financial stability has been rated:

Frontline Insurance A.M. Best Rating

A.M. Best rates all Frontline Reinsurers as A or better, which is a high score.

Frontline Insurance Demotech Rating

In 2021, Demotech gave Frontline Insurance Unlimited’s Financial Stability Rating as A Exceptional, which provides further evidence of Frontline’s position as a financially stable insurer.

Frontline Insurance Plans

Frontline Insurance offers a range of plans to suit the needs of its customers across the southeast region of the United States. 

The availability of the Frontline Insurance coverage options varies by state. You can find specific details of insurance coverage in your area by contacting your local Frontline Insurance agent.

Homeowners Insurance

If you own property in one of the covered states, you should be able to obtain homeowners insurance from Frontline, even if it’s not your primary residence.

What Is Covered by Frontline Homeowners Insurance?

The type of homeowners insurance coverage will depend on your state. Here are some of the types of property that may be covered by Frontline homeowners insurance:

Options to include personal property insurance and personal injury cover to your policy are also available in some states.

High-Value Insurance

High-value insurance policies are designed for properties valued at $1 million and above. The plan provides a comprehensive level of coverage for properties located along the inland, shoreline, and barrier island.

Flood Insurance

Frontline provides its customers with responsive flood coverage, including excess flood protection. 

Condominium Owners Insurance

Frontline’s condominium owners insurance coverage is available for the following types of properties:

In addition, Frontline Insurance provides coverage for loss of use, loss assessment, and personal liability as part of their condominium owners insurance policy.

Rental Property Insurance

Customizable rental property insurance is available in Florida and South Carolina. You can adjust the level of coverage to best suit your needs.

Wind and Hail Insurance

Frontline offers wind and hail insurance for properties in North Carolina. It’s available regardless of the usage of your property. So, whether it’s a seasonal rental or your main residence, you will be able to take out a wind and hail insurance policy.

Commercial Insurance

Frontline Insurance may be best known for offering homeowners insurance, but it also provides commercial insurance. Frontline’s commercial property insurance is designed to meet the needs of businesses and is available in Florida and North Carolina. Contact an insurance agent in your area to learn more about it.

Frontline Insurance Discounts

Most insurance companies have discounts and money-saving offers available for new customers, but Frontline Insurance doesn’t advertise any of those on its website. While specific discounts aren’t available at the time of writing, Frontline does offer deductibles that can potentially save you money on your insurance costs. 

For example, by taking out the Frontline Stepdown Deductible Policy, you can earn up to 100% cashback on your hurricane deductible after five consecutive claim-free years.

Frontline Customer Reviews 

Before deciding whether to use Frontline, you might be wondering, “Is Frontline a good insurance company?” One of the most effective ways to determine that is to check customer reviews.

Frontline Insurance customer service reviews vary. Customers who reviewed the company on Yelp gave Frontline Insurance two stars out of 46 reviews. Many of them criticized its customer service, citing canceled policies as their reason for giving a poor rating.

Frontline Claims

Hopefully, you will never need to make a claim on your insurance policy, but if you do, you need to know that the process will be as straightforward and hassle-free as possible. 

To make a claim, Frontline advises you to get in touch with them as soon as possible after the damage has occurred. You can notify Frontline that you wish to make a claim by reporting the details of the damage to your property in the following ways:

You can contact the Claims Department seven days a week between 8 AM and 6 PM ET. Here are the numbers:

Frontline Cost and Quotes

You can’t purchase Frontline Insurance online, and its website doesn’t indicate the prices. So, if you would like to find out more about the cost of Frontline Insurance or get a quote, you will need to visit their website to find an agent in your area. The insurance agent will be able to answer any questions you may have about insurance coverage and find a policy that matches your exact needs. 


  • Deductibles are available.
  • Insurance is specifically designed for the needs of coastal homeowners and the unique challenges their properties face.
  • You can deal directly with an agent in your area.
  • Frontline Insurance provides coverage only in five states.
  • Customer reviews are mixed.

Frontline Insurance offers plans that directly address the specific needs of homeowners across the southeast coastal region, which is more susceptible to damage during the hurricane season. The fact that Frontline Insurance specializes in customizable insurance plans for coastal areas is a significant benefit for homeowners who have struggled to get insurance and want specific plans to cover them if there is a severe weather event. 

However, Frontline Insurance reviews show that the company may be inconsistent when it comes to customer service, as the reviews and ratings vary considerably. Contacting a Frontline Insurance agent in your area is an effective way to assess the customer service offered by Frontline agents. Most importantly, speaking to an agent will help you establish whether they have an insurance plan that matches your needs and provides you with the cover needed to protect your home.

The fact remains that Frontline Insurance is an established provider of homeowners insurance and has a strong degree of financial stability, which is positive news for homeowners. With more than two decades of experience, Frontline Insurance remains a popular insurance provider for people in the southeastern area of the United States.

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