Frontline Insurance is one carrier worth looking into, since it has a significant volume of active premiums amounting to around $1.5 billion. Its active presence in five states and substantial premium base suggest a significant policyholder footprint in the coastal insurance market.
Some of your clients may consider this insurer, as Frontline offers standard homeowners' insurance, along with specialized options like flood, windstorm, and high-value home coverage. But is this insurer reliable? Would Frontline’s insurance ratings make it a carrier worth your time and money? We’ll seek answers to these questions and more in this article.
Kroll Bond Rating Agency (KBRA) gave Frontline a BBB+ rating. This indicates that Frontline Insurance is considered financially strong and capable of meeting its ongoing insurance obligations.
This rating falls within the “investment grade” category, so the company is viewed as a relatively low credit risk. However, it is not among the highest-rated insurers.
KBRA's ratings are an important measure of an insurer's viability. The BBB+ rating was also accepted by Freddie Mac, which has good implications.
For starters, if Freddie Mac did not accept Frontline Insurance’s KBRA rating, homeowners with Frontline policies and Freddie Mac-backed loans could be forced to find new insurance coverage. They could also risk having their lender obtain often more costly “force-placed” insurance on their behalf.
Brokers and other insurance professionals are right to be concerned about the lack of Frontline insurance ratings from commonly referenced ratings agencies - A.M. Best, Fitch, Moody's, and S&P Global. After all, these ratings agencies provide the basis for many insurance professionals to buy or recommend their product, service, or business.
Their ratings are essential for gauging an insurer’s ability to remain solvent and give payouts when they file a claim after a large-scale disaster. However, there are several reasons why these insurance ratings agencies did not rate Frontline:
These big four ratings agencies typically focus on larger, national, or internationally active insurance companies. Frontline Insurance primarily operates in select southeastern US states. They also serve a specific market segment (i.e. coastal homeowners), making it less likely for them to seek or require ratings from these global agencies.
Regional insurers like Frontline usually rely on ratings from agencies more focused on their market. These agencies are more widely recognized by state regulators and mortgage lenders for regional carriers.
For mortgage compliance and regulatory purposes, ratings from these firms are often sufficient for Frontline’s business needs.
Obtaining and maintaining ratings from multiple agencies can mean paying substantial fees and ongoing disclosure requirements. For a regional insurer like Frontline, the additional cost may not provide enough business benefit to justify the expense.
Unlike obtaining financial documents for SEC compliance, getting a rating the "big four" is a voluntary process. Insurers must request and pay for these ratings. Many regional or niche insurers, like Frontline, may choose not to pursue ratings from these agencies due to cost or strategic reasons.
You can read more about these insurance ratings agencies and the importance of their ratings in our guide.
There are no Frontline insurance reviews from the Better Business Bureau (BBB). Frontline Insurance has not sought BBB accreditation and there is no current BBB rating for the company.
Frontline Insurance and its related entities, such as First Protective Insurance Company, are not currently BBB-accredited. However, the insurer is not required to seek BBB accreditation, and non-accredited businesses may still be rated by the BBB.
BBB’s business profiles and complaint information are intended to help consumers make informed decisions, considering a company’s size and volume of their business.
To become accredited, the BBB charges a fee that supports BBB efforts to fulfill its mission of advancing marketplace trust. Accreditation is not an endorsement of any product, service, or business, but rather a signal that the business has agreed to uphold BBB standards.
The BBB website’s FAQ stresses "when reviewing information in business profiles, it is important to note that BBB business profiles are provided solely to assist you in exercising your own best judgment."
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Frontline Insurance’s most popular products are centered around property and casualty insurance for homeowners in coastal and hurricane-prone regions. Their core offerings include:
Frontline Insurance stands out for its Stepdown Deductible Program. This innovative feature allows policyholders to earn back a percentage of their hurricane deductible for each claim-free year.
It starts at 5 percent and increases to 100 percent over six years.
This customer loyalty feature is uncommon in the industry and is designed to benefit homeowners who can maintain a claims-free record, especially in hurricane-exposed regions.
Frontline Insurance’s products are available in the following states:
Frontline Insurance specializes in coastal and hurricane-prone markets, tailoring its products and underwriting to the unique risks of these regions. Operating in just these states allows Frontline to focus on the complex regulatory requirements, reinsurance needs, and catastrophe management strategies specific to high-risk coastal areas.
Expanding across North America would require significant resources to meet diverse state regulations and would dilute their expertise in managing severe weather risks. This regional focus enables Frontline to deliver specialized coverage and maintain financial stability in challenging markets.
A privately held insurance group based in Lake Mary, Florida, Frontline Insurance specializes in homeowners' insurance for coastal and hurricane-prone areas across the southeastern US.
Founded in 1998, the company is known for offering tailored property coverage, including options for high-value homes and flood insurance. As of 2025, Frontline Insurance manages approximately $1.5 billion in active premiums and has paid out around $5 billion in claims, reflecting its established presence and experience in storm-affected regions
Choosing Frontline Insurance comes with several benefits and drawbacks:
Frontline has a good record of honoring claims, unless you made the mistake of one Florida couple, who didn’t immediately file claims.
Frontline Insurance is a viable option for clients in its service area who need specialized coverage for coastal and hurricane risks. Its financial ratings, claims history, and unique deductible program make it worth considering.
Frontline’s flood insurance is especially welcome, as more insurers are offering better coverage than the National Flood Insurance Program.
However, brokers should make sure that their clients understand the company’s regional focus, as it limits the scope of its financial and customer satisfaction ratings. Brokers should make comparisons with other insurers, look at other Frontline Insurance reviews, and check customer feedback before making a final recommendation.
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