Jane Dotson
Frontline Insurance is a group of independent insurance companies that provide coverage for homeowners in the Southeast United States, including Florida, Georgia, Alabama, North Carolina, and South Carolina. They specialize in offering insurance in hurricane-prone coastal regions, with features like the Stepdown Deductible and robust coverage options. In addition to homeowners insurance, Frontline Insurance also offers flood insurance, rental property insurance, and high-value insurance for properties valued at $1M and above. While they do not explicitly mention auto insurance on their website or in customer reviews, it is possible that they offer this type of coverage as well. Frontline Insurance has over 20 years of experience in the industry and is rated A- by AM Best, indicating strong financial health.
| Characteristics | Values |
|---|---|
| Type of Insurance | Homeowners Insurance, Condominium Owners Insurance, High Value Insurance, Flood Insurance, Rental Property Insurance, Auto Insurance, Hail Damages, New Roof Coverage |
| Pros | Robust coastal coverage, Innovative deductible options, Responsive claim service, Multiple payment methods |
| Cons | Limited discount variety, Coverage varies by state, Some negative reviews, No online quote system, Rate increases reported |
| Ideal For | Homeowners in coastal regions who need robust protection against hurricanes and flooding |
| Service Phone Number | (877) 744-5224 |
| Hurricane Claims Phone Number | (866) 673-0623 |
| Non-Hurricane Claims Phone Number | (800) 675-0145 |
| Address | 500 International Parkway, Lake Mary, FL 32746 |
| States Serviced | Alabama, Florida, Georgia, North Carolina, South Carolina |
What You'll Learn
Pros and cons of Frontline Insurance
Frontline Insurance is a property and casualty insurance company that offers coverage for homes, condos, and businesses. It has received generally positive reviews from customers and third-party organizations. However, there are also some negative reviews and ratings, with some common complaints about issues with claims processing and communication with customer service representatives. Here is a more detailed look at the pros and cons of Frontline Insurance:
Pros:
- Wide range of insurance products: Frontline Insurance offers a variety of policies to meet the specific needs of each client, including homeowners insurance, condominium owners insurance, high-value insurance, and rental property insurance.
- Excellent customer service: Frontline Insurance is known for its responsive and helpful customer service. They have a user-friendly website that allows clients to easily manage their policies, file claims, and access resources.
- Rewards for loyal clients: Frontline Insurance rewards its loyal customers and offers flexible billing options.
- Social responsibility: Frontline Insurance is committed to being a socially responsible company. They have implemented environmentally-friendly initiatives, such as paperless billing, to reduce their carbon footprint. They also support local communities through partnerships with nonprofit organizations and volunteer work.
- High ratings: Frontline Insurance has received high ratings from trusted organizations such as the Better Business Bureau (BBB) and A.M. Best, indicating financial stability and strong customer satisfaction.
- Competitive pricing: Customers have praised Frontline Insurance for their competitive pricing and easy claims process.
Cons:
- Limited availability: Frontline Insurance is only available in certain states, including Alabama, Florida, Georgia, North Carolina, and South Carolina.
- Limited online capabilities: While Frontline Insurance offers a user-friendly website, some customers have reported issues with the online claims process and limited online quote systems.
- Some negative reviews: Despite generally positive reviews, there are some negative reviews from customers who have experienced issues with claims processing, communication, and coverage.
- Coverage varies by state: The coverage and discounts offered by Frontline Insurance may vary depending on the state, leading to inconsistencies in the customer experience.
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Frontline Insurance customer service
Frontline Insurance is a group of independent insurance companies that serve coastal homeowners in the Southeast United States, including Florida, Georgia, Alabama, North Carolina, and South Carolina. Frontline Insurance has been in the business for over 20 years, offering homeowners and business owners customizable solutions to protect their properties.
Frontline Insurance is dedicated to providing efficient customer service with multiple avenues for addressing policyholder concerns and queries. The company ensures easy access to support, especially during the claims process, recognising the importance of prompt assistance when dealing with property damage or losses. Here is an overview of their customer service options:
- Phone Support: Frontline provides a general inquiry line, which can be reached at (877) 744-5224. For specific claims, they offer dedicated lines for hurricane-related claims at (866) 673-0623 and non-hurricane claims at (800) 675-0145. These phone lines are operational seven days a week, from 8 AM to 6 PM EST.
- Online Services: Policyholders can utilise Frontline's customer portal, the Frontline Insurance Portal, to file claims, upload documents, and manage their accounts conveniently. The online portal is accessible 24/7, providing flexibility for customers to address their insurance matters at their convenience.
- Physical Mail: For correspondence via postal services, Frontline's main office address is 500 International Parkway, Lake Mary, FL 32746. For urgent matters pertaining to claims or payments, specific processing centre addresses are also available.
- Local Agents: Frontline maintains a network of local agents who can offer personalised service and detailed policy assistance. This option is beneficial for intricate inquiries or policy adjustments, providing customers with dedicated guidance.
Payment Methods
Frontline Insurance offers various payment methods for their customers' convenience, including:
- Check: Payments can be sent via check to their designated lockbox address: Frontline Insurance PO Box 631439 Cincinnati, Ohio 45263-1439.
- ACH and Credit Card: These payments can be made online by logging into or registering for an account on their website: frontlineinsurance.com.
Pros and Cons of Frontline Insurance
According to customer reviews and company policies, here is a concise list of pros and cons of Frontline Insurance:
Pros:
- Robust coastal coverage
- Innovative deductible options, such as the Stepdown Deductible
- Responsive claim service
- Multiple payment methods
Cons:
- Limited variety of discounts
- Coverage varies by state
- Some negative reviews regarding customer service and claim handling
- No online quote system
- Rate increases reported
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Frontline Insurance premiums
Frontline Insurance is a group of independent insurance companies that serve coastal homeowners in the Southeast United States, including Florida, Georgia, Alabama, North Carolina, and South Carolina. Frontline Insurance has been in the business of protecting customers for over 20 years. The company focuses on providing homeowners insurance in hurricane-prone coastal regions, with unique features like the Stepdown Deductible and robust coverage options.
Frontline Insurance's premiums are influenced by several factors, including the location and condition of the home, the homeowner's claims history, available discounts, and the selected coverage limits and options. For instance, homes located in hurricane-prone areas or regions susceptible to flooding may face higher premiums due to the increased risk of damage. Additionally, the age and condition of a home can impact premiums, with older homes or those in need of repairs potentially requiring higher premiums.
An individual's claims history and credit score can also affect their premiums. A higher number of claims or a lower credit score may result in increased premiums. Frontline Insurance offers various discounts that can help offset these costs, such as multi-policy discounts, secured community discounts, and credits for installing protective devices like burglar alarms or smoke detectors.
The cost of insurance in certain states, such as Florida, has been subject to sharp increases due to factors like frequent hurricanes, higher reinsurance costs, and rising property values. As a result, homeowners in these areas may experience higher premiums or more significant rate fluctuations.
It is important to note that insurance premiums are tailored to each customer's specific circumstances, and Frontline Insurance works with independent agencies to place business and service policies. They do not directly sell policies to consumers but instead encourage prospective clients to contact local agents for a personalized approach to discussing coverage options and requirements.
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Frontline Insurance discounts and offers
Frontline Insurance provides several discounts aimed at reducing insurance premiums for homeowners. These discounts are designed to encourage homeowners to invest in safety features and responsible property management, reducing the likelihood of claims. Here are the details of Frontline Insurance's discounts and offers:
Multi-Policy Discount
Homeowners who bundle their home insurance with other policies like auto insurance are eligible for savings through Frontline's multi-policy discount. This discount recognizes customers' loyalty and provides an incentive for consolidating their insurance needs.
Secured Community Discount
Frontline Insurance offers a discount for homes located in gated or monitored communities. The added security and surveillance of these communities contribute to a reduced risk of incidents, which is reflected in the lowered insurance premiums.
Smart Water Protection Device Discount
For homeowners who have installed water leak detection systems, Frontline Insurance provides a discount. This discount acknowledges the proactive measures taken by homeowners to protect their property from water damage, which can be costly to repair.
Wind Loss Mitigation Discount
Homes that have been improved to withstand high winds are eligible for the Wind Loss Mitigation Discount. This discount takes into account the structural enhancements made to resist strong winds, which are common in coastal regions, and results in reduced insurance premiums.
Protective Device Credits
Frontline Insurance offers protective device credits for homes equipped with security features such as burglar alarms, smoke detectors, or other security systems. These safety measures contribute to a reduced risk of theft, fire, or other damage, making the homes less prone to insurance claims.
While Frontline Insurance offers these discounts and incentives, it is important to note that their availability and applicability may vary based on the state and specific circumstances of the homeowner. It is always advisable to contact Frontline Insurance or a local agent to understand the exact discounts offered and the eligibility criteria.
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How to make a payment to Frontline Insurance
Frontline Insurance offers home and commercial property insurance. It does not appear that Frontline Insurance offers auto insurance. However, if you are a Frontline Insurance customer, there are several ways to make a payment.
Payment Methods
Frontline Insurance accepts payments via check, ACH, or credit card.
Payment Addresses
Check payments should include the remittance slip or policy number and should be sent to:
> Frontline Insurance
> PO Box 631427
> Cincinnati, Ohio 45263-1427
The Commercial Overnight payments address is:
> Fifth Third Bank c/o Frontline Lockbox 631427 – MD 1MOC1Q
> 5050 Kingsley Drive
> Cincinnati, OH 45227
The Homeowners Overnight payments address is:
> Fifth Third Bank c/o Frontline Lockbox 631439 – MD 1MOC1Q
> 5050 Kingsley Drive
> Cincinnati, OH 45227
Online Payments
ACH or credit card payments can be made by logging into or registering your account at frontlineinsurance.com.
Auto Pay
Auto Pay is available and can be set up in the Homeowners Payment Portal for enrolled users or the Commercial Payment Portal for enrolled users.
Payment Plans
Frontline offers homeowners full-payment, 2-payment, and 4-payment plan options. Payment plan options for commercial accounts include full, 2, 4, 8 and 10 payments. A small fee will be charged to each invoice if you are on a payment plan.
Flood Insurance Payments
Flood insurance payments should be mailed to:
> Regular Mail Address
> Torrent PO Box 912094
> Denver, CO 80291
> Express / Overnight Mail Address Lockbox Services MAC C7301-L25
> 1740 Broadway St. Floor L2
> PO BOX 912094
> First Protective Insurance
> DENVER CO 80274
Third-Party Payment Services
You can also pay your Frontline Insurance bill through third-party services such as doxo.
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Frequently asked questions
Yes, Frontline Insurance offers auto insurance. They also provide home, business, life, and watercraft insurance.
Frontline Insurance is a group of independent insurance companies that serve coastal homeowners in the Southeast United States, including Florida, Georgia, Alabama, North Carolina, and South Carolina. They specialize in providing insurance for hurricane-prone areas and offer unique features like the Stepdown Deductible.
Frontline Insurance accepts payments via check, ACH, or credit card. They do not take payments over the phone. Auto Pay is also available for enrolled users through the Homeowners Payment Portal or Commercial Payment Portal.
You can file a claim with Frontline Insurance by phone, online, or by contacting a local agent. They have dedicated phone lines for hurricane and non-hurricane claims, which are open from 8 AM to 6 PM EST, seven days a week.
Some pros of Frontline Insurance include robust coastal coverage, innovative deductible options, responsive claim service, and multiple payment methods. However, cons may include limited discount variety, varying coverage by state, negative reviews, and no online quote system.
