Frontline Homeowners Insurance Review

Company Overview

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.

Products and Packages

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.

Pricing & Premiums

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.

Discounts and Credits

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.

Eligibility & Underwriting Requirements

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.

Application Process

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.

Customer Reviews & Service

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​​.

Frontline Insurance Customer Reviews

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

How to Make a Payment

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:some text
   • Visit the Frontline Insurance Payment Portal.
   • Log in to your account.
   • Select the 'Pay Now' option to complete your transaction.
2. By Mail:some text
   • 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

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.

Key Competitors

Key Competitors

Frontline Homeowners Insurance is a regional insurance provider that specializes in offering homeowners insurance in coastal and hurricane-prone areas, particularly in Florida. Given its focus, Frontline competes with other insurers that are well-versed in managing the unique risks associated with these regions. 

A significant competitor is American Integrity Insurance, a company that also targets Florida’s market with comprehensive homeowners policies, including options for wind, hurricane, and flood insurance. American Integrity's strong local presence and tailored policies make it a direct competitor.

Another key competitor is Security First Insurance, another Florida-based company specializing in providing coverage for homes exposed to hurricanes and other severe weather conditions. 

Security First emphasizes technology-driven services, offering a user-friendly online experience similar to Frontline, which appeals to modern consumers looking for convenience in managing their insurance policies.

Additionally, companies like Olympus Insurance and Florida Peninsula Insurance Company offer significant competition. Olympus focuses on high-value homes and offers robust coverage options, including for hurricane and flood damage, making it a preferred choice for homeowners with more substantial insurance needs. 

Florida Peninsula, on the other hand, prides itself on offering affordable rates while providing solid coverage for hurricane-prone areas, making it a strong competitor for budget-conscious homeowners.

Frontline's focus on customer service and tailored coverage for coastal homes allows it to compete effectively with these insurers, particularly in the niche market of high-risk, hurricane-prone areas.

Conclusion

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.