Frontline Homeowners Insurance Review

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Written by
Darren Craft

Frontline Insurance Company provides specialized home insurance solutions for coastal regions, catering primarily to states prone to hurricanes like Florida, Georgia, and the Carolinas. With over two decades of experience, Frontline Insurance Company is known for its tailored policies that address the unique risks faced by homeowners in these areas.

Financial Rating
A, excellent
NAIC Group
Frontline Insurance Group
500 International Parkway, Lake Mary, Florida 32746
Service Phone Number
Claims Phone Number
Alabama, Florida, Georgia, North Carolina, and South Carolina
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Frontline Insurance Overview

The company's notable "Stepdown Deductible" feature sets it apart by offering homeowners a chance to recover their hurricane deductible over time, promoting long-term relationships and rewarding claim-free years. This innovative approach helps alleviate the financial burden after storm damage, a common concern among coastal residents.

  • Specializes in coastal and hurricane-prone states
  • Innovative "Stepdown Deductible" feature for deductible recovery
  • Over 20 years of industry experience
  • Rated A- by AM Best, indicating strong financial health
  • Their insurance agents cover auto insurance, hail damages, new roof coverage, and professional communication
  • Insurance agent team well-known for customer satisfaction. Insurance reviews state Frontline responded promptly with a detailed investigation report and estimated payment each time.

Frontline's strategic focus on coastal insurance needs, combined with robust financial backing and customer-centric features like deductible recovery, makes it a preferred choice for homeowners in high-risk areas. Their policies are designed to provide peace of mind during the hurricane season and beyond.

Frontline Insurance Products and Packages

Frontline Insurance offers a comprehensive range of home insurance products designed to meet the diverse needs of homeowners in hurricane-prone areas. Their policies are structured to provide extensive coverage from standard dwelling protection to additional options that address specific regional threats like floods and hurricanes.

These products are complemented by customizable packages that enable homeowners to tailor their coverage according to their unique circumstances. Whether it’s a basic policy or enhanced protection for high-value homes, Frontline ensures all bases are covered, providing security against a variety of potential risks.

  • Dwelling Coverage: Rebuilds or repairs your home structure.
  • Personal Property: Covers belongings like furniture and electronics.
  • Loss of Use: Funds additional living expenses during home repairs.
  • Liability Protection: Handles legal and medical bills if you’re found at fault.
  • Medical Payments: Assists with medical expenses for injuries on your property.

Standard Homeowner’s Coverage

This basic package offers essential protection for your home, including dwelling, other structures, personal property, and liability. It's suited for homeowners looking for straightforward, comprehensive coverage that meets the general needs of most properties.

Enhanced Protection Plan

Ideal for those in high-risk areas, this package includes all standard coverages plus additional protections like flood insurance, increased limits on personal property, and ordinance or law coverage, which helps rebuild your home to current building codes.

High-Value Homeowner’s Coverage

Tailored for high-value homes, this package provides extended coverage limits and additional perks like scheduled personal property insurance, which covers high-ticket items such as jewelry and art. It’s designed for homeowners who require more than the typical coverage due to the increased value of their assets and property.

Frontline Insurance Premiums

Frontline Insurance's premiums are influenced by a variety of factors that can significantly impact the cost for homeowners, especially in Florida. These include the location of the home, its age and condition, the homeowner's claims history, available discounts, and the selected coverage limits and options​​. In particular, the cost of insurance in Florida has been subject to sharp increases due to factors such as frequent hurricanes, higher reinsurance costs, and rising property values​​​​.

Given the challenges in the Florida insurance market, homeowners face varying rates, which are also affected by personal details like credit scores. Frontline offers several discounts that could reduce these rates, such as multi-policy discounts, secured community discounts, and advanced leak detection systems in homes​​​​.

  • Location and Home Features: Where you live and details about your home like its age and condition play significant roles in determining your premiums.
  • Claims History and Credit Score: Your past claims and credit score can influence your rates, with higher claims histories or lower credit scores typically leading to higher premiums.
  • Discounts Available: Frontline offers discounts for bundling policies, living in secured communities, and installing leak detection devices, which can help lower premiums.

Frontline Insurance Discounts and Offers

Frontline Insurance provides several discounts aimed at reducing the insurance premiums for homeowners, particularly those who take measures to secure their homes against potential risks. These discounts are designed to encourage homeowners to invest in safety features and responsible property management, which can decrease the likelihood of claims​​​​.

  • Multi-policy Discount: Savings for bundling home insurance with other policies like auto insurance.
  • Secured Community Discount: Discounts for homes in gated or monitored communities.
  • Smart Water Protection Device Discount: Offers a reduction for homes equipped with water leak detection systems.
  • Wind Loss Mitigation Discount: For homes that have improvements to withstand high winds.
  • Protective Device Credits: For homes with burglar alarms, smoke detectors, or other security systems.

Frontline Insurance Customer Service

Frontline Insurance is dedicated to providing effective customer service with multiple options to address policyholder needs and concerns efficiently. The company emphasizes easy access to support, particularly during the claims process, which is crucial for policyholders dealing with property damage or losses.

  • Phone Support: General inquiries can be addressed by calling their main line at (877) 744-5224. For specific claims, they offer dedicated lines for hurricane-related claims at (866) 673-0623 and non-hurricane claims at (800) 675-0145​​.
  • Online Services: Policyholders can file claims, upload documents, and manage their accounts through Frontline’s customer portal Frontline Insurance Portal.
  • Physical Mail: Correspondence can be sent to their main office at 500 International Parkway, Lake Mary, FL 32746, or for immediate matters related to claims or payments, to specific processing centers​​.
  • Local Agents: Frontline also supports a network of local agents who can provide personalized service and detailed policy assistance. This can be particularly beneficial for detailed inquiries or policy adjustments​​.

Eligibility & Underwriting Requirements

Frontline Insurance has set prerequisites and requirements to ensure that policyholders receive coverage that accurately reflects their needs and risk levels. These requirements are designed to streamline the application process and ensure that all necessary information is gathered effectively for proper risk assessment and policy issuance.

  • Home Inspection: A thorough inspection of the property may be required to assess its condition and risks, particularly for homes in high-risk areas like flood zones or hurricane-prone regions.
  • Proof of Ownership: Documentation proving ownership of the property is necessary.
  • Claims History: A record of past claims, which helps determine risk and premium rates.
  • Credit Score Check: A credit check to assess financial responsibility, which can impact premium costs.

Documents Required

To apply for a homeowner's insurance policy with Frontline Insurance, several documents are typically required. These documents help in verifying the ownership and state of the property, and they play a crucial role in the underwriting process.

  • Proof of Residence: Utility bills or government-issued ID with the address.
  • Detailed Home Inventory: For personal property coverage, a list of items in the home and their estimated value.
  • Recent Home Inspection Report: If applicable, especially for older homes or those in areas prone to natural disasters.
  • Financial Information: Includes credit reports or other proof of financial stability.

Frontline Insurance Application Process

Applying for homeowners insurance with Frontline Insurance involves a detailed process to ensure that policyholders receive the most accurate coverage based on their specific needs and property characteristics. Initially, prospective clients are encouraged to contact a local agent, which allows for a personalized approach to discussing coverage options and requirements. This agent-led process helps in identifying the appropriate policies and endorsements tailored to the homeowner's location and potential risks​​.

During the application process, the agent will guide the applicant through the necessary documentation, which typically includes proof of home ownership, a detailed home inventory, and recent inspection reports if applicable. The process also involves a review of the applicant's claims history and a credit check to determine insurance rates and eligibility​​. It's designed to be thorough to ensure that all factors affecting the risk and premium are accurately captured.

For those who might find this process daunting or are seeking alternatives that might better suit their specific circumstances, Worth Insurance offers expert advice and a range of options to explore. Feel free to visit our Worth Insurance Options page for more information on how we can assist you in finding the right insurance solution with ease and confidence.

How to Make a Payment to Frontline Insurance

Making a payment to Frontline Insurance is designed to be flexible and accessible, catering to different preferences for managing financial transactions. Initially, policyholders are encouraged to use the online payment system, which is both secure and convenient, allowing payments via credit card directly through Frontline's Homeowners Payment Portal. This method is beneficial for those who prefer digital transactions and want to avoid the hassle of mailing checks or handling cash​​.

For those who prefer traditional methods or may not have access to online facilities, Frontline also accepts payments through mailed checks. Payments should be sent to their designated lockbox for processing:

  • Regular Mail Address: Frontline Insurance PO Box 631439 Cincinnati, Ohio 45263-1439
  • Overnight Mail Address: Fifth Third Bank c/o Frontline Lockbox 631439 – MD 1MOC1Q 5050 Kingsley Drive Cincinnati, OH 45227

Steps to Make a Payment:

  1. Online Payment:
  2. By Mail:
    • Prepare a check payable to Frontline Insurance.
    • Send it to the appropriate address based on your preferred mailing method (regular or overnight).

How to File a Claim with Frontline Insurance

Filing a claim with Frontline Insurance is designed to be a straightforward process, ensuring that policyholders can efficiently manage their claims during stressful times. Initially, it is crucial to ensure the safety of everyone in the household and to secure the property from further damage if it is safe to do so. This preparation helps in accurately reporting the extent of the damage when initiating the claim.

Once you are ready to file a claim, Frontline offers multiple avenues to accommodate different preferences:

  1. Telephone Claims: You can file a claim by phone for both hurricane and non-hurricane related incidents. For hurricane claims, call 1-866-673-0623, and for non-hurricane claims, the number is 1-800-675-0145. These lines are open from 8 AM to 6 PM EST, seven days a week.
  2. Online Claims Portal: If you prefer to file your claim digitally, Frontline provides an online claims portal where you can initiate a new claim or upload documents related to an existing claim. This option is available 24/7, providing flexibility for policyholders to file claims at their convenience.
  3. Contact a Local Agent: For personalized service or if you need assistance with the claims process, contacting a local agent can be beneficial. They can guide you through the steps and ensure all necessary documentation is complete.

Frontline Insurance Pros and Cons

Evaluating Frontline Insurance means weighing its advantages against potential drawbacks. This will provide a clearer view for homeowners to assess whether Frontline's offerings align with their insurance needs. Below is a concise list of pros and cons based on customer reviews and company policies:


  • Robust coastal coverage
  • Innovative deductible options
  • Responsive claim service
  • Multiple payment methods
  • Local agent support


  • Limited discount variety
  • Coverage varies by state
  • Some negative reviews
  • No online quote system
  • Rate increases reported

Who It's For: Frontline Insurance is ideal for homeowners in coastal regions who need robust protection against hurricanes and flooding. It's especially suited for those looking for tailored coverage options, including high-value homes, and who value local agent interactions over online processes.

Wrapping Up

Frontline Insurance offers specialized coverage that caters well to those in hurricane-prone coastal regions, providing a safety net tailored to unique environmental challenges. If you find that these features align with your insurance needs, particularly if you value hands-on support through local agents, Frontline might be the right choice for you.

To explore more about what Frontline Insurance can offer and to ensure it's the best fit for your property, consider reaching out to a local agent today. For more personalized guidance and to compare additional insurance options that may suit your needs even better, visit Worth Insurance's Contact Page to get expert advice tailored just for you.

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Written by
Darren Craft
Writer, Insurance
Read more from author
Darren Craft is a licensed insurance advisor. He has been an angel investor in a number of prominent fintech and insurtech startups.

Frequently Asked Questions

What types of insurance does Frontline offer besides homeowners insurance?

Frontline provides a variety of insurance products including high-value property insurance, flood insurance, and coverage for rental properties, but does not offer auto or life insurance.

What should I do if I need to adjust my coverage with Frontline?

If adjustments to your coverage are needed, it's best to contact your local Frontline insurance agent. They can provide personalized assistance and help you tailor your policy to better meet your current needs.

Can Frontline Insurance policies be customized?

Yes, Frontline offers customizable insurance policies, particularly beneficial for properties in coastal areas that may require specific coverages like flood or wind and hail insurance.

How does Frontline handle renewals for ongoing coverage?

Frontline typically reviews policies at renewal time to make any necessary adjustments based on new information or changes in risk profile. Policyholders are encouraged to discuss their renewal options with their agent to ensure their coverage continues to meet their needs.