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. While Frontline’s reach is rather limited, hundreds of its insurance agents are ready to help residents in Alabama, Florida, Georgia, North Carolina, and South Carolina.

Frontline Insurance has built its reputation for over 20 years as a company that people can turn to when things are tough. 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.

Frontline Homeowners Insurance Reviews: Here’s what people are saying…

Every insurance company will have its fair share of positive and negative reviews online, but Frontline does experience a larger quantity of complaints compared to its competitors. Some policyholders describe their experience with Frontline as one of the best in the business, noting that the company offers excellent customer service and is prompt when resolving claims.

Most customers, however, aren’t pleased. A large number of reviews describe Frontline as uncooperative and changing policy stipulations at the last minute. Many people made their first claim with Frontline after Hurricane Irma and were upset to find that claims were paid at a fraction of what repair estimates stated. Others described that communication with Frontline was either entirely absent or unprofessional at best.

What’s covered by Frontline home insurance?

The policy options that are offered by Frontline will vary based on the state you live in, and while the company provides several features for homeowners, those in need of commercial insurance may also find what they’re looking for. It’s best to check with your insurance agent to determine what’s available in your area, but in general, policyholders have access to the following:

  • Robust coverage for owner-occupied, secondary, and seasonal homes that features dwelling, personal property, and loss assessment options 
  • Protection for high-value homes that sit in specific coastal areas
  • Customizable policies for a rental property
  • Flood insurance that covers excess flooding incidents
  • Extensive policies for condominiums that include loss of use, personal liability, and more
  • Wind and hail coverage

Keep in mind that not all of these features are available in your state, so it’s best to visit to find your local insurance agency and inquire about your options. Some selections, including high-value home coverage, will have unique stipulations associated with them, so it’s best to speak with an agent to learn which features will be right for you.

How does Frontline’s claims process work?

Dealing with a covered event, no matter how small, can be stressful. Frontline aims to make the claims process as smooth as possible. Before starting the claims process, ensure everyone in your home is safe and that you’ve vacated the property if the damage is severe enough to be a threat to your wellbeing.

Policyholders can contact the Claims Department seven days a week between the hours of 8 AM and 6 PM ET. If you’re submitting a claim as a result of a hurricane, contact 1 (866) 673-0623. All non-hurricane claims can be initiated by calling 1 (800) 675-0145. Customers who prefer to file a claim online can use Frontline’s claim portal. There they can start a claim or upload documents to an existing claim.

Like any other insurance company, the time it takes Frontline to process your claim will vary based upon the specific details. It’s recommended that you are proactive throughout the claims process and check in with your assigned representative regularly. Your payment will be issued after a complete review of the incident and may use repair estimates when calculating your claim amount.

Frontline Home Insurance Discounts and Payment Methods

Oftentimes, policyholders are drawn to specific insurance companies due to the plethora of discounts available. After all, spending less money is always a plus, but not everyone is eligible for the same types of savings on a homeowner’s policy

Unfortunately, Frontline doesn’t seem to offer much in the way of discounts, however, it does boast a stepdown program that allows for reimbursement on a hurricane deductible should you need to file a claim. Once you’ve been covered for five years and have a claim-free history, you may be eligible to receive 100 percent of your deductible under certain conditions.

Frontline is a bit vague when it comes to methods of payment. Customers can likely complete this task in a number of ways including:

  • Using the customer portal online to make a payment using a credit card
  • Calling customer service at 1 (877) 744-5224
  • Mailing a check to:

500 International Parkway

Lake Mary, FL 32746

If you’re in need of another payment option, contact your local insurance agent to discuss how to best meet your needs.

How to Get a Frontline Home Insurance Quote

In this day and age, finding the insurance information is as easy as a few clicks of your mouse. However, Frontline wants its customers to build personal relationships with local agents. Instead of allowing people to receive quotes online, it aims for a more personalized process.

Those who are wondering how much it costs to have their residence or commercial property covered by Frontline should use the Find An Agent tool to speak with a local representative. You’ll be able to discuss all of your policy options and determine the pricing that best meets your needs.

Other Types of Home Insurance Coverage Offered by Frontline

Each state that Frontline serves has a bit of a different mix of insurance options available, so it’s best for residents to contact an insurance agent to discuss all of the types of coverage offered. Whether you’re in need of a basic policy or full coverage in the event of a hurricane, Frontline has policy options that can be customized for your situation.

Conclusion: The best way to save on home insurance

Aside from the actual purchase of your home, the money you spend on home insurance may be one of the largest regular costs in your budget. Depending on your needs, policies from Frontline Insurance may be the most affordable option in your area or you may want something that better suits your situation. 

Ultimately, the best way to save on home insurance is to visit Insurify. Instead of hunting down phone numbers for insurance companies across the United States, Insurify gives you all of the information you need in one place.

Frontline Insurance Overview

For over 20 years, Frontline has provided home insurance policies to residents in a small portion of the Southeast United States. 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. Although many companies tend to feature other types of plans including auto insurance, Frontline prefers to work within the residential and commercial property niches.

Many customers are pleased with Frontline and describe its customer service as second to none, however, there are also a fair amount of negative reviews online. Some policyholders feel that Frontline doesn’t pay enough for claims and are frustrated with many aspects of the company.

DepartmentContact Information
Customer Service1 (877) 744-5224
Non-Hurricane Claims1 (800) 675-0145
Hurricane Claims1 (866) 673-0623
Headquarters500 International Pkwy
Lake Mary, FL 32746
Updated May 5, 2020

Courtney Elder has loved to write since age six, yet she didn’t turn it into a career until many years after that. She graduated from Sonoma State University with a degree in Communications, and when she’s not creating content for Insurify, she’s exploring Portland, OR with her kids.