Frontline Insurance Homeowners Insurance Review & Ratings (2025)

Welcome to our comprehensive guide on Frontline Insurance homeowners insurance. If you’re looking for reliable coverage to protect your home in high-risk weather areas, Frontline Insurance is here to help. In this article, we’ll explore the coverage options provided by Frontline Insurance, their financial strength, and customer reviews.

With over 20 years of experience, Frontline Insurance has earned exceptional customer ratings and a solid reputation. To ensure you get the best rates and find the perfect policy for your needs, enter your zip code below and compare quotes from top insurance providers. Safeguard your home with Frontline Insurance today.

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 –– find Alabama insurance agents and brokers for more information
• Florida –– find Florida insurance agents and brokers for more information
• Georgia –– find Georgia insurance agents and brokers for more information
• North Carolina –– find North Carolina insurance agents and brokers for more information
• South Carolina –– find South Carolina insurance agents and brokers for more information

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.

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 renters 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.

Comprehensive Protection with Frontline Insurance Homeowners

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. Frontline insurance 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 Frontline insurance app 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

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.

Seamless Claims Process With Frontline Insurance Homeowners Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Frontline Insurance offers multiple convenient options for filing a claim. Policyholders can initiate the claims process through their website, which includes a user-friendly claims portal.

Additionally, customers have the choice to file a claim over the phone using the dedicated phone numbers provided by Frontline Insurance. For those who prefer mobile accessibility, the company offers a mobile app that allows users to initiate and track claims directly from their smartphones.

Average Claim Processing Time

Frontline Insurance aims to streamline the claims process to ensure timely resolution for its policyholders. While the specific processing time may vary depending on the complexity of the claim and other factors, the company is committed to expediting the claims settlement process whenever possible. Timely claims processing is a crucial aspect of Frontline Insurance’s commitment to customer satisfaction.

Customer Feedback on Claim Resolutions and Payouts

Frontline Insurance has garnered positive customer feedback for its claims handling. With over $2.4 billion paid out in claims, the company has demonstrated its commitment to fulfilling its obligations to policyholders.

Customer reviews highlight the company’s professionalism, efficiency, and rapid response to claims. Although there are occasional negative reviews related to policy cancellations, Frontline Insurance generally enjoys a high level of customer satisfaction in terms of claim resolutions and payouts.

Frontline Insurance: Your Trusted Home Protection Partner

Exploring Frontline Insurance Homeowners Insurance Cutting-Edge Digital and Technological Features

Mobile App Features and Functionality

Frontline Insurance offers a mobile app that provides policyholders with convenient access to various features and functionalities. Through the app, users can manage their insurance accounts, make payments, and even initiate and track claims. The app is available for both Android and iPhone users, enhancing the accessibility and convenience of Frontline Insurance’s services.

Online Account Management Capabilities

Frontline Insurance’s online account management capabilities empower policyholders to take control of their insurance accounts. Customers can log in to their accounts on the company’s website to access policy documents, make payments, and view their claim status. This online platform offers a user-friendly interface, allowing policyholders to efficiently manage their insurance needs.

Digital Tools and Resources

Frontline Insurance provides policyholders with a range of digital tools and resources to support their insurance journey. These resources include educational content, FAQs, and guides that help customers better understand their policies and navigate the claims process. By offering these digital resources, Frontline Insurance enhances its commitment to transparency and customer empowerment in the digital age.

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.

Frontline Insurance: Nationwide Home Protection Excellence

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 is Florida Farm Bureau Insurance.