Frontline Insurance Company Review & Complaints: Home & Property Insurance (2024)

Homeowners living in coastal regions know to be picky when shopping for home insurance since choosing the wrong home insurance types could be devastating if disaster were to strike. Coastal homeowners need to be ready for anything, and Frontline Insurance works to provide great coverage at affordable rates so you can be prepared for whatever nature throws at you.

Buying a home insurance policy shouldn’t be a task that you try to accomplish in just a few minutes. Your home is your castle, so it’s well worth taking the time to read Frontline Insurance reviews, investigate how this company is graded by the Better Business Bureau (BBB), and, most importantly, discover if it has the coverage you need to protect your home and your belongings.

Keep reading to learn more about Frontline Insurance so you can determine if it is the best insurance company for your coverage needs.

Not sure if Frontline Insurance is right for you? You can enter your ZIP code to start comparing free insurance quotes right away.

Who owns Frontline Insurance?

Frontline Insurance is privately held, and, unlike your run-of-the-mill insurance companies, Frontline insurance is actually made up of a group of independent insurance entities. It has an A rating from Demotech, but if you were to look up Frontline Insurance on BBB, you would notice that it is not yet a BBB accredited business.

This insurance company has been serving coastal homeowners for over two decades, and if you live in Florida, Georgia, Alabama, North Carolina, or South Carolina, you could choose to work with Frontline Insurance.

Unfortunately, if you live in a state not served by Frontline, like New Jersey or California, you will have to compare home insurance policies from other companies in order to find the best policy to protect your home. Thankfully, with today’s technology, you can hop on your smartphone or personal computer and shop online for insurance day or night, allowing you to get the coverage you need at the rates you want. You can even research and find out how much home insurance you should buy. 

How can you purchase a policy with Frontline Insurance?

If you would like to buy a home insurance policy from Frontline Insurance, you will need to reach out to a representative of the company directly, and doing so is easy. You can visit the Frontline website to find an insurance representative near you or call Frontline directly.

How much does a Frontline home insurance policy cost?

Sample rates of a Frontline home insurance policy are, unfortunately, not readily available to the public at this time, but you can get an idea of what you might pay for insurance by reviewing the average rate of home insurance in states where Frontline does business:

Every homeowner’s rates will be different because every insurance company requires applicants to undergo an underwriting process whenever they fill out a quote. You will be required to share information about yourself and your home when shopping for homeowners insurance. Insurance companies will typically need to know:

• Your name
• Your address
• Your contact information
• Your age
• Your occupation
• Your marital status
• The number of rooms in your home
• The style of your home
• The age of your roof
• Your claims history
• Your credit score

The details that you give an insurance company allow the company to learn more about you and ascertain if providing you insurance would be a big risk. Your rates are also influenced by how much it would cost to rebuild your home too.

For example, if you and your neighbor both lived in fairly standard, single-story ranches that were built at the same time, you may have similar rates. If you decided to add crown molding throughout your house and marble flooring in every room, the cost of rebuilding your home would increase, along with your rates.

If you’ve just wrapped up a major renovation on your home and are afraid your rates will go sky-high, you should know that there are steps you can take to bring your rates down to a reasonable level. Finding the best home insurance for older homes is also something you can discuss with your insurance provider.

How can homeowners lower their rates?

While you can also work to improve your credit score or resist filing claims to keep your rates low, you should also review your policy to see if you are missing out on any discounts. Sometimes you can even save money by bundling insurance policies.

Discounts are a great tool that can help you save a bundle on your insurance, and while Frontline doesn’t have many discounts available, you could save up to 5% with a multi-policy discount, between 5% and 8% with a secured community discount, and between 5% and15% with a water leak detection systems discount.

In addition to those discounts, Frontline also offers a $1,000 flat hurricane deductible option in certain areas, and if your home has a brick or masonry veneer, you may be able to receive a masonry veneer construction credit.

What coverage options does Frontline offer?

Frontline’s coverage options will vary depending upon the state in which you live. While you must always read the fine print before putting any money down on a policy, Frontline typically offers not only coverage for your primary residence but also for your secondary or seasonal homes too. These policies typically consist of dwelling coverage, personal property coverage, and loss assessment options.

Frontline also offers:

• Customizable rental property policies
• Wind and hail coverage
• High-value coastal home protection
• Flood insurance
• Condo policies
• Water damage coverage

Does homeowners insurance cover mold? Any water damage caused by weather events will not be considered a covered loss. If you’re considering the purchase of a policy from Frontline, you should review your quote carefully and contact a Frontline Insurance representative if you have any questions regarding your coverage options.

Frontline Insurance Claims Process

Ease of Filing a Claim

Frontline Insurance offers multiple methods for policyholders to file a claim, ensuring convenience and accessibility. You can file a claim online through their website, over the phone by contacting a Frontline representative, or by using their mobile app. These options provide flexibility for policyholders to initiate the claims process in a way that suits their preferences.

Average Claim Processing Time

Frontline Insurance is committed to efficient claim processing to provide timely assistance to policyholders in their time of need. While specific processing times may vary depending on the nature and complexity of the claim, Frontline strives to process claims as quickly as possible. Policyholders can expect a reasonable and competitive claim processing timeline.

Customer Feedback on Claim Resolutions and Payouts

Frontline Insurance values customer feedback and strives for fair and satisfactory claim resolutions. Customer experiences with claim resolutions and payouts can vary, but Frontline Insurance aims to address claims promptly and fairly. Policyholders can share their feedback and experiences to help improve the claims process continually.

Digital and Technological Features of Frontline Insurance

Mobile App Features and Functionality

Frontline Insurance offers a user-friendly mobile app that allows policyholders to access their insurance information on the go. The app provides features such as policy management, claims filing, and even tools for estimating coverage needs. Policyholders can easily navigate their policies and take advantage of the app’s convenience.

Online Account Management Capabilities

Frontline Insurance’s online account management platform enables policyholders to manage their policies, view policy documents, and make payments securely. This digital platform offers a convenient way for policyholders to stay organized and informed about their insurance coverage.

Digital Tools and Resources

Frontline Insurance provides policyholders with various digital tools and resources to enhance their insurance experience. These tools may include resources for understanding coverage options, educational materials on home insurance, and informative blog articles. These digital resources empower policyholders to make informed decisions regarding their insurance needs.

What You Need to Know About Frontline Insurance

Frontline Insurance has provided insurance to property owners located in Alabama, Florida, Georgia, North Carolina, and South Carolina for over 20 years. If you own a coastal property in one of these states, you can find a Frontline representative near you by visiting the Frontline website.

Read more: Best North Carolina Home Insurance

It is important to note that Frontline doesn’t have a 24-hour claims phone number, so if you need to start your claim process right away, it may be best to do so online.

After reviewing this in-depth Frontline review, you should feel confident in exploring your options for home insurance. You can enter your ZIP code to receive free insurance quotes from companies in your area right away.