Frontline Homeowners Insurance Review and Ratings (2022)

Frontline Insurance offers homeowners policies at a very affordable rate for those who live in high-risk weather areas. They specialize in claims related to hurricanes, tropical storms, and flooding events. Customers have left glowing reviews for the company, and their financial standing is strong.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Mar 24, 2022

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The Rundown

  • Frontline Insurance offers homeowners policies to customers in high-risk weather areas
  • It specializes in insurance for perils such as hurricanes, tropical storms, and floods
  • The company stands out for its overwhelming amount of positive customer reviews

Frontline Insurance is a medium-sized company that specializes in offering homeowners insurance to those that reside in high-risk weather areas.

The company specifically caters to customers that have dwellings in hurricane, tropical storm, and flood zones.

Where Frontline Insurance really stands out is in its extremely high customer ratings. Typically, insurance companies accrue low ratings online, as people tend to leave unfavorable reviews when they endure negative experiences. However, this is not the case for Frontline Insurance.

If you are shopping around for insurance and are seeking more information about Frontline, then this article will answer many of your questions.

The topics included in this article are relative to coverage options available with Frontline Insurance, the financial strength of the company, and an overview of customer reviews.

Frontline Insurance Basics

Founded in 1998, Frontline Insurance has been in business for over 20 years and is headquartered in Lake Mary, Florida.

The company offers homeowners insurance policies available in a handful of states:

  • Alabama
  • Florida
  • Georgia
  • North Carolina
  • South Carolina

The company specializes in homeowners insurance for customers that reside in severe storm locations. They have paid out over $2.4 billion in claims and currently hold $124 billion in active insurance policies.

Their motto is to provide a personal touch to every customer they insure. This motto is expressed in their highly positive customer reviews.

Who Owns Frontline Insurance?

First Protective Insurance Company is the underwriter of all Frontline Insurance policies and is a wholly owned subsidiary of PWC Financial, Inc. First Protective is based in Florida and offers fire, casualty, multi-peril, and homeowners insurance policies.

The CEO of First Protective Insurance is Lanier Porter who operates out of Frontline’s Longwood, Florida location.

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Frontline Insurance Coverage Options

Frontline Insurance has a variety of homeowners policies available that vary state by state. It specializes in offering coverage to customers that live in high-risk weather areas that are prone to hurricanes, tropical storms, and flooding.

The policies available through Frontline include:

  • Homeowners Insurance. coverage for owner-occupied dwellings, including seasonal single-family homes
  • Condominium Insurance. owner-occupied, seasonal, and short-term vacation rental insurance coverage
  • High Value Insurance. properties valued at $1 million and more for dwellings located along the shoreline, inland, and barrier island
  • Flood Insurance. additional insurance coverage for flood peril events, including excess flood protection
  • Rental Property Insurance. for those who own rental properties that are not a primary dwelling

At the moment, Frontline only offers homeowners policies and does not offer car insurance in Florida at this time.

Hurricane Deductible Policy

Frontline offers a special step down deductible policy where you can earn 100% cashback on your hurricane deductible.

Every year that you don’t file a hurricane peril-related claim, you receive cashback on your deductible. The first claim-free year includes 5% cashback on your deductible, which grows to 100% by year six.

This is a unique product that is only available through Frontline Insurance.

How to Get Insurance With Frontline

Frontline does not sell its policy directly to customers. You will be assigned an agent through their network within the states in which they operate, or you can call them and be assigned to an agent. Their main phone number is (877) 744-5224.

Frontline Insurance Payment Options

Frontline offers a payment portal directly on its website. Through this customer portal, you can make payments, submit a claim, check your claim status, and download your policy documents.

You can download their application for Android or iPhone to securely manage your property insurance accounts. From the application, you can make claims and payments.

Another way to make a payment is by calling their main phone number and paying with a debit or credit card.

You can also send a check to their mailing address:

500 International Parkway
Lake Mary, FL 32746

How to Make a Claim With Frontline

Frontline has a very handy claims portal on their website, where you can instantly create a claim and upload documents to an existing claim.

They also offer two phone numbers for starting the claims process. Their non-hurricane claim phone number is (800) 675-0145 and their hurricane claim phone number is (866) 673-0623.

Frontline Insurance Financial Strength

Frontline Insurance has been given an “A” (Exceptional) financial stability rating through Demotech, an insurance rating agency.

The rating is the third strongest on Demotech’s financial stability scale and was provided in December 2021.

The financial strength of an insurance company is a very important distinction, as this reveals their potential ability to pay out insurance claims to their customers.

Frontline Insurance Reviews

Frontline Insurance really shines when it involves customer reviews. The company has accumulated over 1,000 reviews across several online platforms, most of them residing on Google Maps. The average rating for Frontline is 4.6 stars, which is exceptionally higher than other homeowners insurance companies.

The top reviews given for Frontline Insurance mention that the company is very professional and is able to get inspectors out to homes in a timely manner. The company has been noted for its rapid response to claims and is very efficient with the claims process from start to finish.

However, there are a few unfavorable reviews sprinkled into the mix. Several policyholders mention that their policy was canceled without much notice, for reasons such as an old roof or out-of-date appliances. A few customers mentioned that their policies were canceled immediately preceding hurricane season.

NAIC Complaint Index Score

The National Association of Insurance Commissioners releases a complaint index report of confirmed complaints from consumers specifically for insurance companies. The national average for insurance companies is a score of one.

In 2021, Frontline Insurance accrued two confirmed complaints, with an index score of 1.13. This is only slightly higher than the national average and is lower compared to many other competitors.

Overall, Frontline Insurance outperforms its competitors with its positive reviews and low complaint index score.

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Frontline Homeowners Insurance Review Summary

Frontline Insurance has proven itself to be a notable company with its high customer satisfaction rates, financial strength, and ability to pay out claims to customers in high-risk weather locations.

The company has been in business for over 20 years and has become highly efficient at providing strong homeowners insurance policies to customers.

They offer basic insurance policies that are standard to the industry, with not many bells and whistles. However, policyholders can benefit from their hurricane deductible policy by receiving cashback for every year that a claim has not been made.

Frontline displays strong financial strength and the company has been growing year-over-year, despite some rough hurricane seasons along the way.

Frontline really shines in reference to their high remarks from customers. They are known to handle their claims process very efficiently and professionally. Their complaint index score is in accordance with their positive reviews, which include a very low score of 1.13 for 2021.

Overall, a Frontline homeowners insurance policy could be a very good fit for you if you reside in one of the few states that offer homeowners insurance policies. Another strong competitor in Florida is Farm Bureau Insurance.


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