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Every homeowner has unique needs when it comes to their insurance policy. Insurify can help you decide if this is the right insurance company for you.
Living in a coastal region means that you have specific needs when it comes to home insurance. Frontline is ready to offer several policy options at affordable rates. Frontline doesn’t have a huge reach, but hundreds of its insurance agents are ready to help people in Alabama, Florida, Georgia, North Carolina, and South Carolina, which are states that have the most hurricanes.
People have known Frontline Insurance for more than 20 years as a company they can count on when things go wrong. Whether it’s a hurricane or COVID-19, Frontline agents are there to help. However, not every customer has the same experience. While the company does have some positive reviews, many recommend seeking insurance elsewhere.
Only you can know if Frontline is the best insurance company to partner with. But, instead of spending tons of time researching pricing from a variety of companies, try visiting Insurify first. You’ll learn more about the options available from Frontline and compare quotes in minutes.
Choosing the right insurance company is one of the most important financial decisions you can make. You want to find an insurer that offers robust coverage options at affordable rates, has strong financial stability, provides great customer service, and will pay claims fairly when disaster strikes.
So how does Frontline Insurance measure up on these key criteria for identifying a good insurance provider? As an independent insurance agent who regularly evaluates carriers to recommend to my clients, let’s take an in-depth look at Frontline’s pros, cons, ratings, reviews and complaints data to see if they live up to their promises
Overview of Frontline Insurance
First, some quick background details on Frontline Insurance:
- Specializes in home, condo and business insurance for coastal regions
- Founded in 2005, headquartered in Florida
- Licensed in AL, FL, GA, NC and SC
- Rated A- by A.M. Best (Excellent)
- Rated A+ by the Better Business Bureau (BBB)
So they are a relatively young company compared to industry giants like State Farm and Allstate, and focus specifically on property insurance tailored for hurricane and severe storm-prone regions near oceans and coasts.
Frontline sells policies through a network of local independent insurance agents and does not sell direct-to-consumer online. This gives them on-the-ground agents with deep knowledge of the risks and needs of specific coastal communities.
Pros of Choosing Frontline Insurance
What are some of the biggest benefits Frontline offers policyholders that have earned them high marks?
Strong hurricane and water damage coverage – Frontline offers specialized options like hurricane deductibles reimbursement of hurricane deductibles and coverage for screened pool enclosures that aren’t standard with most insurers. This gives peace of mind to homeowners in storm-prone areas.
High liability limits – Frontline provides up to $3-$5 million in dwelling coverage for high-end luxury homes. This accomodates the needs of affluent homeowners with properties worth $750k and up.
Excellent financial strength – An A- rating from A.M. Best indicates Frontline has substantial capital reserves and assets to pay out claims even after major catastrophic storm losses or damages across their book of business. This gives policyholders confidence they have the financial means to pay what they owe.
Positive customer feedback – Over 93% positive reviews on Trustpilot and 74% 4+ star ratings on ConsumerAffairs shows most customers have a good experience with Frontline in terms of price, service and claims.
Local agents – Selling through local independent agencies allows Frontline to provide personalized service tailored to each policyholder’s unique situation and risks.
Rewards loyalty – Frontline offers a “stepdown deductible” that decreases your hurricane deductible each year you go without a claim, rewarding loyal long-term customers.
Cons of Going With Frontline
However, Frontline isn’t perfect. There are some potential drawbacks to consider as well:
Limited availability – Frontline only operates in 5 southeastern coastal states (AL, FL, GA, NC, SC). So it’s not an option for homeowners elsewhere.
No bundling discounts – Frontline only sells property insurance, not auto, life, health, etc. So you can’t bundle multiple policies together for a discounted premium like with some insurers.
Website lacks details – Unlike competitors, Frontline’s website provides limited specific information and quotes upfront, making it hard to shop and compare coverages and costs.
Fewer discounts – Frontline offers just 4 standard discounts whereas many top insurers provide a dozen or more potential savings opportunities like multi-policy, safe driver, alarm system, good payer history, etc.
How Does Frontline Rate for Financial Strength?
When you buy insurance, you are transferring risk to the carrier. You pay premiums with the promise that if disaster strikes, they have the financial means to pay your claim in full. This makes an insurer’s financial strength and creditworthiness extremely important.
As mentioned earlier, Frontline holds an A- rating from A.M. Best. This indicates Excellent financial strength and ability to meet ongoing obligations to policyholders.
According to A.M. Best, an A-rating means the company demonstrates:
- Excellent balance sheet strength
- Very strong operating performance and profitability
- A conservative and well-managed business profile
- Very strong enterprise risk management capabilities
In A.M. Best’s scale, A- is just one notch below the top A++ rating held by industry giants like State Farm, giving Frontline very strong financial standing.
The Better Business Bureau also accredits Frontline with an A+ rating based on their financials, complaints data, transparency, and more.
So by both leading insurance financial rating standards, Frontline scores very well on financial stability. This suggests they can reliably pay out claims even in worst case catastrophe scenarios.
How Do Customers Rate Frontline for Service and Claims?
In addition to financial strength, it’s insightful to look at actual customer experiences with Frontline. How do policyholders rate their customer service, claims handling, pricing and overall satisfaction?
Here’s an overview of Frontline’s reviews, ratings and complaints data from numerous credible sources:
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NAIC Complaint Index – Frontline received just 0.18 complaints per 1,000 premium dollars written, far lower than the industry median of 1.11. This indicates a relatively low volume of complaints proportional to their size.
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J.D. Power – Frontline scored 838 out of 1,000 points in J.D. Power’s property insurance customer satisfaction survey, beating competitors like Allstate, State Farm and Progressive.
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ConsumerAffairs – 74% of ConsumerAffairs reviewers rated Frontline 4 stars or higher out of 5, indicating most customers are satisfied.
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Trustpilot – Over 600 reviews on Trustpilot averaging 4.5/5 stars, with 93% rating Excellent or Great.
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Google – 1,900+ Google reviews averaging an excellent 4.5 stars.
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BBB – A+ BBB rating based on 132+ reviews averaging 4.5 stars, showing a pattern of positive customer experiences.
Coverages Offered by Frontline
In addition to financial strength and service, it’s important to make sure an insurer offers the specific types of coverages you need.
Frontline provides all the standard homeowners policy coverages:
- Dwelling coverage
- Other structures
- Personal property
- Loss of use
- Personal liability
- Medical payments
They also offer common optional add-ons like:
- Water backup coverage
- Scheduled personal property
- Increased ordinance or law
- Identity fraud expense
- Golf cart coverage
And most importantly for their coastal target customer base, Frontline provides hurricane-specific options such as:
- Hurricane deductibles
- Hurricane damage to screened enclosures
- Post-hurricane loss assessment coverage
- Reimbursement of hurricane deductibles
Is Frontline the Right Insurer for You?
At the end of the day, choosing the best insurance company comes down to weighing your specific coverage needs and priorities.
Based on Frontline’s financial ratings, positive customer feedback, and specialty coastal offerings, they are likely a great option if:
- You own an expensive home on the southeast U.S. coastline
- You want strong hurricane and flood protection
- High liability limits are important to fully protect your assets
However, if you are looking for the ability to bundle multiple policies together for discounts, or want access to lots of money-saving discounts, a larger national insurer may better fit your needs.
My advice is to always shop around and compare quotes from both Frontline and other top-rated insurers in your area. Look at pricing, coverages, exclusions, deductibles, and insurer ratings side-by-side to make sure you find the right carrier for your situation.
The Bottom Line: Is Frontline a Good Insurance Company?
In my professional opinion as an independent insurance agent, yes – Frontline Insurance is a good insurance company based on their financial strength, positive customer service reputation, and specialty offerings tailored for coastal homeowners.
They maintain top ratings from A.M. Best and the BBB, have very low complaint ratios, and the vast majority of policyholder reviews praise their customer service and claims handling. For hurricane and flood coverage on high value beach homes, they are definitely an insurer worth considering.
Just be sure to compare Frontline against other leading carriers to find the best
Frontline Homeowners Coverage Options
Frontline has different policy options depending on the state you live in. The company has a lot of features for homeowners, but people who need commercial insurance may also be able to find what they need. To find out what’s available in your area, it’s best to talk to your insurance agent, but in general, policyholders can get the following:
- Strong coverage for primary, secondary, and seasonal homes that is available with options for dwelling, personal property, and loss assessment
- Protection for high-value homes that sit in specific coastal areas
- Customizable policies for a rental property
- Coverage for water damage not caused by weather events
- Flood insurance that covers excess flooding incidents
- Condos have a lot of rules, such as loss of use, personal liability, and more.
- Wind and hail coverage
There may not be all of these features in your state, so it’s best to check www. frontlineinsurance. com to find your local insurance agency and inquire about your options. There may be special rules for some options, like high-value home coverage, so it’s best to talk to an agent to find out which features will work best for you.
Frontline Home Insurance Reviews: Customer Satisfaction
There will be both good and bad reviews of every insurance company online, but Frontline gets more complaints than other insurance companies. Some policyholders say that working with Frontline was one of the best experiences they’ve ever had. They say that the company has great customer service and quickly handles claims.
In the more than 200 Frontline Insurance reviews we read, we found that many customers aren’t pleased. A large number of reviews describe Frontline as uncooperative and changing policy stipulations at the last minute. After Hurricane Irma, a lot of people filed their first claim with Frontline. They were disappointed to learn that their claims were paid at a fraction of what repair estimates said they were worth. Others described that communication with Frontline adjusters was absent or unprofessional. And in the past few months, a lot of bad reviews have been written about sudden rate hikes of 30% or more.
Here are some of the best and worst homeowners insurance reviews we found for Frontline:
Frontline Insurance review, pros and cons, legit, quote update 2024
FAQ
How long has Frontline Insurance been around?
Who is the number 1 home insurance company in America?
Who is the most trusted insurance company?
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Best car insurance category
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Company winner
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Best insurance company overall
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Travelers
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Best insurance company for affordability
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American Family
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Best insurance company for accident forgiveness
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Geico
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Best insurance company for having few customer complaints
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NJM
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Is first protective insurance the same as Frontline Insurance?
Who is frontline insurance?
Frontline Insurance is a property and casualty insurance provider that offers home, condo, renters, and business insurance policies across 5 southeastern states: The company was founded in 2005 and is headquartered in Lake Mary, Florida. They provide insurance specifically tailored for coastal regions prone to hurricanes and severe storms.
Does frontline offer auto insurance?
Frontline works with insurance agents in five states to offer customizable policies that meet a range of needs. Although many companies tend to feature other types of plans including auto insurance, Frontline prefers to work within the residential and commercial property niches.
Does frontline offer home insurance?
Frontline offers more than home insurance. You can also fine policies for: Frontline does not, as of this writing, cover renters insurance, car insurance, or life insurance. Exactly which policies are available to you will depend on the state you live in. Please speak with your Frontline insurance agent to learn more.
How does frontline insurance work?
By partnering with First Protective Insurance Company, Frontline has been able to pay out over $1.3 billion in claims during more than 13 severe weather events in the region. Frontline works with insurance agents in five states to offer customizable policies that meet a range of needs.