- Coverage for homes that are located on the coast and on islands
- Plenty of additional coverages to protect against water damage
- Relatively average premiums
- Only available in a few states
- Not many discounts avaiable to its customers
- Known for raising their premiums significantly
- Several bad reviews on the claims process and people not receiving payments
- Unclear financial stability
Choosing the right homeowners insurance company is an important decision, so making sure you learn more about them through reviews can help. The process of getting homeowners insurance is essential, and Frontline offers homeowners insurance in Alabama, Florida, Georgia, North Carolina, and South Carolina. They offer coverage for owned homes, condos, rental properties, and high-value homes located along the shoreline or on barrier islands. They have various coverage options to ensure your property is adequately protected.
Types of Frontline homeowners insurance coverage
When purchasing a policy through Frontline, you will get the same typical coverages you would receive from other insurers. Their policies protect your dwelling, detached structures, personal property, and offer you options if you incur a loss and need help relocating while your home is being repaired or rebuilt.
Many people praise Frontline for being willing to insure homes that are located in geographically risky areas. Those directly next to the water and even on islands have been known to receive homeowners insurance coverage through Frontline, making it a great company for those living in the South.
If you are looking to get a homeowners insurance policy through Frontline, it is important to note that their policies do not cover water damage related to weather events. In this case, you would need to purchase additional coverage through them or an additional policy to make sure you are protected on all fronts.
Frontline home insurance discounts
If you are looking to lower your premium when you sign up with Frontline, there are not very many discounts available. You can qualify for a discount if you hold multiple policies through their company. This gives you a lower rate because you chose to bundle your insurance. Living in a secure community can also provide you with a lower premium, as they offer a discount for this.
Frontline does reward its customers for having adequate water-detection systems in place. If you have an alert system set up that monitors your home for water damage, this can allow you to qualify for this discount.
Frontline’s additional coverages
Frontline has a lot to offer when it comes to coverage. While they have standard homeowners insurance policies, they also offer coverage that is customizable to include rental properties or secondary homes. This allows you to make sure all of your homes are protected if you have multiple.
- Wind and hail. Since the South is known for its storms, there is the option to get additional coverage to better protect against wind and hail. This is a good offer to take because of how frequently homes are damaged by storms in the area.
- High-value coastal home coverage. If you live in a home that is located in a coastal area as well as high-value, Frontline will offer coverage. This is beneficial because many insurance companies will deny these homes because of the risks involved.
- Water damage. Water damage tends to happen in the area, so Frontline offers additional coverage that extends to these situations. You can add this to a homeowners insurance policy that you purchase through them.
- Flood insurance. In case you are in an area that is prone to flooding, you can obtain an additional policy through Frontline that will protect your home. Since this is an additional policy, you can also qualify for a bundling discount.
Frontline homeowners insurance premiums
It is difficult to find direct information regarding Frontline’s premiums, but are thought to have average prices when compared to the averages in the states they cover. According to Insurance Information Institute, the average annual home insurance premiums in these 5 states are:
- Alabama: $1,463
- Florida: $1,988
- Georgia: $1,362
- North Carolina: $1,193
- South Carolina: $1,303
There are not many reviews left by customers discussing the fairness of the rates, so it is difficult to get an accurate idea of how much a homeowners insurance policy will cost through Frontline.
The easiest way to find out is by getting a quote with your custom coverages included. You can do this by finding an agent through their website and calling for a quote. They do not have an online quoting tool, so it is necessary to contact a representative.
Frontline homeowners insurance claims
There are several reviews online detailing how Frontline handles its claims process. Many customers are very unhappy with their services. A lot of individuals state that Frontline does not pay their claims, even after years of ongoing attempts. This is the cause of a lot of financial burdens felt by its customers.
There are several customers who are happy about their claims and payouts during hurricanes Irma and Michael. However, most reviews regarding claims made after Hurricane Ian are negative.
Many people have stated that they have been trying to deal with Frontline for years regarding claims and have still been unable to receive any compensation or relief. They do not handle their claims in a timely manner and have a reputation for being difficult to get ahold of when you need to discuss your claim.
Frontline customer satisfaction
Customers who choose Frontlie for homeowners insurance are happy with the different coverages they offer. This can be helpful for those who have homes in areas that are typically hard to insure. Because Frontline tends to accept these risks, it is possible for almost anyone to get a policy with them.
Those who deal with Frontline for basic policy changes and questions seem to have no problems with their customer service, but there are some complaints of rates being raised over time. One customer reported that their rate was raised by 35% even though they had never filed a claim before.
Frontline has received a lot of reviews on Google and has earned 4.5 stars from 1,784 reviews as of March 2023. However, Frontline got much lower ratings through other review sites like clearsurance and yelp.
While there are more positive reviews than negative ones when looking into Frontline as an insurance company, it is important to take note of a large number of complaints regarding canceled policies and problems with claims. Even though they might have helpful staff, they do hold a reputation for being an untrustworthy company.
Frontline financial strength
There are a few questions that arise when looking into the financial stability of Frontline as an insurance company. In January 2023, it was reported that they voluntarily withdrew their rating with Demotech because of dissatisfaction with the rating process.
However, Frontline is rated through KBRA and has earned a BBB+ rating. By these standards, the rating is fairly good and shows that the company is seen as being financially stable for the time being.
When searching for Frontline on the Better Business Bureau, there is no information found. Since the BBB is one of the main sources for looking into financial stability and complaints, this leaves many questions surrounding the company and why it is not listed on the website.
The verdict
Frontline is an insurance company that serves the South and offers protection for many different types of homes. This is useful for individuals who have a hard time getting insurance based on where their home is located, as many other insurance companies might look at this as too large of a risk.
They do not have many discounts available, but it is fairly easy to qualify for the ones they do have. Frontline aims to have people bundle their insurance, which is why their discounts mainly involve obtaining more than one policy. They do offer a range of policies that can be purchased to complete the bundle.
Since storms are known to happen frequently in the area, Frontline does offer endorsements and policies that are geared to protect homes from water damage. This can be helpful when living in a coastal area or even places where it rains often throughout the year.
It appears that Frontline has average rates that are comparable to the rates available by area. Since there are not very many discounts available to customers, it is unlikely to get a great deal because their premiums are known to either remain average or even go up as the years pass.
When it comes to handling claims, Frontline misses the mark. Many people are noted complaining about this process and expressing how difficult it is to deal with Frontline in case a claim must be filed. Several people have been dealing with their claims for years and have still not been paid.
Frontline is okay to work with on a basic customer service aspect, but the way they handle claims appears to be off-putting for many customers who have worked with them. A lot of people have suggested that they do not recommend Frontline for homeowners insurance and encourage others to look elsewhere.
It appears that Frontline is mainly financially stable, but there are questions surrounding the reasons why they have opted out of receiving ratings from certain organizations. It is hard to get a clear idea of the future in store for Frontline because of this.
