Frontline Insurance: The Low-Cost Alternative For Home and Property Coverage

Frontline Insurance provides insurance to property owners in Alabama, Florida, Georgina, North Carolina, and South Carolina. Sample rates from Frontline Insurance aren't available, but the average annual rate for home insurance in these states is $1,358. Frontline offers discounts that can keep your rates low and coverage that can protect your home and belongings in the event of a covered loss.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 24, 2022

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The Highlights

  • Frontline Insurance only provides home insurance policies in six states
  • You can file a claim by calling Frontline directly or via the company website
  • Frontline Insurance doesn’t offer many discounts to homeowners

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.

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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:

StateAverage Annual Rate for $250,000 in Dwelling Coverage
North Carolina$1,295
South Carolina$1,142
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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. 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.

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.

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.

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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

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.

How can homeowners file a claim with Frontline?

Hopefully, you will never experience an event that requires you to file a claim, but if you do, the Frontline insurance claims process is fairly straightforward. You can call the Frontline claims department directly seven days a week during business hours, or you can go online to get your claim started.

Filing your claim online may be the most efficient way to resolve your claim, as you can upload documents and keep an eye on the entire process. Typically, you will need to speak with an insurance adjuster to go over the details of your claim. This is why you should take a lot of photos and detailed notes in the event of a loss, so you have evidence to back up your claim.

If you want to avoid a Frontline insurance lawsuit, never insure any belongings for more than they are worth, as that is a type of insurance fraud.

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.

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.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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