Frontline Homeowners Insurance Review

Products and Packages

What Does Frontline Cover?

When you live near the coast, your insurance coverage can’t afford to cut corners. Frontline Insurance focuses on property protection where it counts most—against hurricanes, windstorms, flooding, and the everyday risks tied to Florida living.

Whether you're protecting your full-time home, a second property, or a high-value estate, Frontline has coverage options to fit most coastal needs.

Homeowners Insurance

Designed for primary, secondary, or seasonal homes—even if your main residence is out of state. Each policy includes core coverages like:

• Dwelling Protection (Coverage A): Repairs or rebuilds your home after covered damage
• Personal Property (Coverage C): Covers belongings like furniture and electronics
• Liability Protection (Coverage E): Covers legal expenses for injury or property damage to others
• Loss of Use (Coverage D): Pays for temporary housing if your home becomes uninhabitable

Condo Insurance

Ideal for coastal condo owners—whether you live there full-time, part-time, or rent it out. Policies can include:

• Walls-In Coverage for interior structures
• Personal Property and Liability
• Loss Assessment and Loss of Use coverage
• Short-Term Rental protections available

High-Value Homes

For properties worth $1 million and up, Frontline offers tailored coverage packages. These are particularly useful for:

• Homes on barrier islands or close to water
• Custom builds and luxury estates
• Enhanced coverage limits and valuation options

Rental Property Insurance

Landlords and vacation rental owners can customize coverage with options like:

• Contents Coverage for furnishings or tenant-owned items
• Liability and Loss of Rental Income endorsements
• Flexibility for long-term and short-term rentals

Flood Insurance

Florida homes face a high risk of flooding, and Frontline’s flood insurance is available both as:

• Primary Flood Insurance: For standard FEMA flood zone risks
• Excess Flood Insurance: For higher-value homes needing extra protection above federal limits

Builders Risk Insurance

For properties in the construction phase, Frontline offers protection for:

• Building materials on-site
• Tools and equipment
• Weather-related or theft damage during the build process

Commercial Property Insurance

Small business owners in storm-prone zones can turn to Frontline for:

• Physical Building Coverage
• Business Property Protection
• Policy options tailored for retail, office, or mixed-use buildings

Want help deciding which Frontline policy fits your home or investment? Worth Insurance can break down your options and compare them with top competitors—no pressure, just smart guidance.

Stepdown Deductible Program

This is Frontline’s standout feature. The Stepdown Deductible Program gives homeowners a percentage of their hurricane deductible back every year they don’t file a claim—starting at 5% and rising to 100%. In a state like Florida, that’s a pretty big deal.

Pricing & Premiums

What You’ll Pay with Frontline

If you’ve shopped for homeowners insurance in Florida lately, you know there’s no such thing as a “standard” premium. And Frontline is no exception. Pricing is highly personalized—shaped by your home’s location, age, condition, and even your credit profile.

Still, we can help set expectations.

What Affects Your Premium:

• Location: Coastal proximity, flood zone status, and local storm history play a big role in pricing. Barrier island properties often cost more to insure.
• Home Age & Features: Older homes or those with aging roofs, outdated plumbing, or non-compliant electrical systems may see higher premiums. Recent upgrades can help.
• Claims History & Credit Score: If you’ve filed claims in the past or have a lower credit score, expect to pay more. These are two of the biggest factors in Frontline’s underwriting formula.
• Discount Eligibility: Mitigation features like wind-rated roofs, alarm systems, or leak detectors can earn credits. We break this down further below.

So, How Much Does It Cost?

Frontline’s premiums tend to land in the mid-to-high range compared to other regional carriers. That’s largely because they underwrite in high-risk coastal zones where coverage needs to be more comprehensive—and reinsurers charge more for it.

But here’s the upside: homeowners who qualify for multiple discounts, or who invest in storm-resistant upgrades, can still unlock meaningful savings.

Pro tip: Even a modest improvement—like installing a leak detection system or upgrading your roof—can have a big impact on what you pay.

Need help understanding how your premium stacks up—or what you can do to lower it? Request a free quote and let a Worth Insurance agent walk you through your best options.

Discounts and Credits

Can You Save with Frontline?

Frontline may not offer a massive menu of discounts, but there are definitely savings opportunities—especially for homeowners who prioritize security, storm preparation, and bundled coverage.

Most discounts hinge on how well your home is protected and whether you’ve bundled other policies. That said, savings vary, and not every discount will apply in every state or situation.

Here’s what to ask about:

Available Discounts

• Multi-Policy Discount: Bundle your homeowners insurance with auto (where available) for streamlined coverage and savings.
• Smart Water Device Credit: Installing a leak detection system? You may qualify for a discount that rewards early water shutoff and risk prevention.
• Wind Mitigation Credit: Homes with hurricane shutters, impact-resistant windows, or wind-rated roofing can earn credits. A wind mitigation inspection is typically required.
• Protective Device Credit: Burglar alarms, monitored smoke detectors, and sprinkler systems can reduce your risk—and your premium.
• Secured Community Discount: Living in a gated or guarded neighborhood? That added layer of safety may qualify you for a break on your policy.

The Fine Print

Discounts are evaluated during the underwriting process and vary based on your location, home type, and coverage needs. They’re not stackable in every scenario, so it’s best to speak with a licensed agent to understand which ones truly apply to your situation.

Want help finding every available discount—and comparing it against other top carriers? Connect with Worth Insurancefor a custom quote and honest advice.

Eligibility & Underwriting Requirements

Who Gets Approved?

Frontline Insurance doesn’t take a one-size-fits-all approach when evaluating new policies. Their underwriting is designed to manage risk in high-exposure coastal areas—which means they tend to be more selective than some national carriers.

While many homeowners are eligible, approval often hinges on the condition of your home, your insurance history, and your willingness to keep up with inspections and maintenance.

What Frontline Looks At

Here are the key factors Frontline evaluates when reviewing applications:

• Proof of Ownership: A deed, mortgage statement, or other documentation verifying you own the home.
• Home Inspection: Especially common for older homes or those in high-risk zip codes. Frontline may even request a mid-policy interior inspection to confirm plumbing or HVAC status.
• Claims History: Too many past claims—especially related to water damage or roof issues—can hurt your chances of approval or renewal.
• Credit Profile: Your credit score is used to help determine pricing and eligibility. Better scores generally mean better rates.
• System Age & Condition: Frontline pays close attention to your roof, plumbing, electrical system, and heating/cooling setup. Homes with aging or outdated systems may need upgrades to qualify.

Heads-Up: Policy Cancellations & Non-Renewals

Some homeowners have reported mid-policy cancellations tied to inspection results—such as being required to replace a roof or water heater to keep their policy active. While this can feel abrupt, it’s part of Frontline’s risk management in storm-prone regions.

Not sure if your home would pass underwriting? We’ll help you review what’s needed—and explore backup options if Frontline isn’t the right fit. Talk to Worth Insurance for expert help and no-pressure guidance.

Application Process

How to Apply for Frontline Home Insurance

Unlike some tech-driven carriers, Frontline still operates through a network of licensed local agents. That means you won’t find a quick online quote tool—but you will get a more personalized, hands-on experience.

The process is thorough by design, especially given the risks of insuring coastal properties. Here’s what to expect:

Step-by-Step: What the Application Involves

1. Agent Consultation: You’ll start by contacting a Frontline-appointed agent—usually by phone. They’ll gather initial info and help determine which coverages fit your property best.
2. Document Submission: Expect to provide proof of ownership, recent inspection reports (if available), and possibly a home inventory—especially if you're seeking broader personal property coverage.
3. Home Inspection (If Required): For older homes or properties in high-risk zones, Frontline may request a physical inspection to assess systems like roofing, plumbing, and HVAC.
4. Underwriting Review: Your application will go through a final review, which includes evaluating your claims history, credit profile, and the condition of your home.
5. Policy Activation: If everything checks out, your policy is approved and coverage begins—typically within days of completing the review process.

Prefer to Skip the Guesswork? Let Worth Insurance handle the heavy lifting. We’ll help you compare Frontline to other top insurers, walk you through the paperwork, and find the right fit—fast. Request a Quote to get started today.

Customer Reviews & Service

What Are Frontline Customers Saying?

The Good:
Some customers praise Frontline’s post-hurricane response times and praise specific agents for going above and beyond.

The Not-So-Good:
Others report abrupt non-renewals, especially due to roof age or home inspection findings—even when no prior issues were flagged.

I love Frontline. After Hurricane Ian I was devastated and worried. I didn't try to get extra money and didn't let contractors up the price like they wanted to. I only submitted my actual losses and Frontline didn't give me the run around and covered all of them and quickly, unlike other companies from what I was hearing. It took a lot of stress off me. I will be a customer for life as long as I keep getting realistic rates.

R

Robert S.

7/30/2024

We recently underwent a claim submission process with Christine Bentley on our home. I have to admit I was dreading this process, but I was incredibly taken aback at how seamless it was from start to finish. Christine patiently walked me through the entire process, maintained a complete level of professionalism and grace, and responded to all of my questions in a very timely manner and with full explanation of details.

B

Brittany W.

7/6/2024

Hurricane Ian damaged my home, the contractor was a waste of time and in the confusion that followed I was shifted from agent to agent. Two years later when the contractor finally finished the job. I had a real agent assigned to my claim. Carolyn Morris took over my claim.

J

Jill Keene-L.

7/23/2024

I own a coastal property in NC and have been insured by frontline for over 10 years. Never had a claim and just found out that they are non-renewing. I have 6 weeks to replace a 20 year old roof that has 50 year shingles.

T

Tim B.

7/6/2024

Frontline is also disappointing because of their generic response to my review/ post. They have dropped me as a client so there is no policy to review. And no, I am not going to spend extra time to talk to customer service. I think no response in this case (or a pointed one with a concerted effort to address issues) would be in better order than the generic post.

P

Patricia S.

6/6/2024

In February we were contacted by Frontline. They wanted to send an inspector inside our house. To refuse would result in cancellation. The inspector looked at our bathroom and kitchen water supply lines, air conditioners and hot water heater. They said that we had an 11 yr old water heater and that we had two months to replace it or cancellation. We just got a letter from Frontline in the mail that says we have a 17 year old roof.

J

Joe

6/6/2024

It’s a mixed picture. If you qualify and keep your home updated, service is often smooth. But communication and inspections remain pain points.

How to Make a Payment

How to Make a Payment to Frontline Insurance

Frontline offers flexible payment options, whether you prefer to pay online or stick with traditional check mailing. Here’s how to stay current on your policy:

Online Payment

For the quickest and easiest option, head to the Frontline Payment Portal and log in to your account. From there, you can:

• Pay by credit or debit card
• Set up recurring payments
• View your billing history

Pay by Mail

Prefer paper checks? You can mail your payment to Frontline’s processing center:

Regular Mail:

Frontline Insurance
P.O. Box 631439
Cincinnati, OH 45263-1439

Overnight Mail:

Fifth Third Bank
c/o Frontline Lockbox 631439 – MD 1MOC1Q
5050 Kingsley Drive
Cincinnati, OH 45227

Need a Little Help? If you have questions about your payment or account, your local agent—or the Frontline support team—can walk you through the process.

How to File a Claim

How to File a Claim with Frontline Insurance

Whether you're dealing with hurricane damage or a more routine loss, Frontline offers several ways to get the claims process started. The key is acting quickly—and knowing where to turn for help.

File by Phone

• Hurricane-Related Claims: Call 1-866-673-0623
• All Other Claims: Call 1-800-675-0145

Both lines are staffed from 8 AM to 6 PM EST, seven days a week.

File Online

Prefer to skip the phone call? Use the Frontline Claims Portal to:

• Submit a new claim
• Upload photos and documentation
• Check claim status and communication history

The portal is available 24/7 and can be a convenient option, especially during high-volume storm events.

Get Help from Your Agent. If you’d rather not go it alone, your local Frontline agent can guide you through the claims process—helping with forms, documentation, and status updates.

Key Competitors

Key Competitors

Frontline Insurance operates in a crowded field of regional and tech-forward carriers serving Florida and neighboring coastal states. While its niche is storm-focused, agent-led coverage with loyalty perks like the Stepdown Deductible, it's far from the only player offering specialized protection for hurricane-prone homes. Looking for alternatives? Here are some comparable carriers:

• American Integrity Insurance: Also Florida-focused, known for solid agent support
• Florida Peninsula Insurance: Competitive pricing, decent tech tools
• Olympus Insurance: Great for high-value homes
• Security First Insurance: Strong online tools, broad product suite
• Slide Insurance: Fast-growing tech-forward competitor in Florida

One major competitor is American Integrity Insurance, another Florida-focused carrier with a long track record of agent-based support and storm-ready policies. The two companies share similar underwriting discipline, though American Integrity may offer slightly more flexibility on things like roof age and home inspections. However, Frontline’s Stepdown Deductible adds a long-term reward element that American Integrity currently doesn’t match.

Florida Peninsula Insurance is another key rival, known for affordability and smoother digital access. It may appeal more to budget-conscious homeowners or those looking to manage everything online. That said, Frontline often wins points with customers who prefer working with a dedicated agent and appreciate policy options tailored to high-value or multi-property households.

If you own a luxury home, Olympus Insurance is a direct competitor worth considering. Olympus tends to focus on high-value homes and offers concierge-style service for claims and repairs. While Frontline does insure high-value properties, Olympus may offer more customization and upscale support. Still, Frontline holds its own with broader general-market availability and loyalty incentives.

Another strong option is Security First Insurance, which leans into a tech-first service model. They offer a robust suite of digital tools, including a customer portal and mobile app, making it ideal for homeowners who want to self-manage their policies. In contrast, Frontline sticks with a more traditional, agent-led process—which some homeowners find more reassuring, especially during claims.

Lastly, there’s Slide Insurance, a newer, fast-growing carrier that’s pushing boundaries with digital quoting and flexible coverage. Slide appeals to tech-savvy homeowners who want quick answers and fewer hoops. While Slide’s simplicity is attractive, Frontline’s experience, coastal expertise, and deeper underwriting capabilities often make it a more stable choice for complex properties or older homes.

Ultimately, Frontline holds its own by offering a strong mix of traditional service, storm-ready coverage, and a unique deductible reward program. But depending on your home, budget, and how you prefer to interact with your insurer, one of these competitors may offer a better fit.

Conclusion

Is Frontline the Right Choice?

If you live in a hurricane-prone state and want an insurance partner that knows Florida’s landscape inside and out, Frontline is worth considering—especially if you value working with a local agent and don’t mind a few underwriting hurdles. Their unique deductible program and tailored coverage make them stand out, but they aren’t ideal for homeowners wanting an easy digital experience or lenient inspections.

Want to compare your options? Contact Worth Insurance and we’ll guide you through better coverage—whether it’s with Frontline or a better-fitting alternative.