Frontline Insurance is gaining attention as a notable player in the coastal homeowners insurance market. With about $1.5 billion in active premiums and operations in five southeastern states, the company stands out among regional insurers offering specialized coverage for storm-prone areas.
Based in Lake Mary, Florida, and founded in 1998, Frontline focuses on property insurance tailored for homeowners in hurricane-exposed regions. The company’s product lineup includes standard homeowners insurance, flood and windstorm policies, high-value home coverage, condo insurance, rental property protection, and commercial property insurance for small businesses in coastal zones.
One feature that sets Frontline apart is its Stepdown Deductible Program. This program rewards customers who stay claim-free by gradually reducing their hurricane deductible each year, eventually returning the full amount after six years. This kind of loyalty benefit is rare in the industry and is especially valuable in areas with frequent severe weather.
On the financial front, Frontline holds an A- rating from A.M. Best, indicating excellent financial strength. It also has a BBB+ rating from the Kroll Bond Rating Agency (KBRA), which is considered investment grade and accepted by Freddie Mac for mortgage-related insurance compliance. However, major ratings agencies like Fitch, Moody’s, and S&P Global do not currently provide ratings for Frontline. This is common for smaller, regional insurers who focus on specific markets and often rely on agencies like A.M. Best and KBRA that specialize in regional carriers.
While the company is not accredited by the Better Business Bureau and lacks a J.D. Power rating, this too is typical for regional players. Customers and brokers should look carefully at reviews and complaints to form their own opinions.
Frontline only operates in Florida, Alabama, Georgia, North Carolina, and South Carolina. This limited footprint allows it to concentrate on the unique risks and regulatory needs of coastal areas but means it isn’t an option for those outside these states.
Brokers might suggest Frontline to clients who live in these coastal regions and want coverage designed specifically for hurricane and flood risks. The company’s claims history, including roughly $5 billion paid out since it started, shows it handles disaster claims seriously.
Still, prospective policyholders should understand Frontline’s regional focus and rating situation. Comparing it to other insurers and checking customer feedback first can help ensure it’s the right fit.
Overall, Frontline offers strong financial backing and specialized products for homeowners facing storm risks, making it worthy of consideration for those in its service areas.