Why Frontline

You love your life on the coast and at Frontline Insurance we have over 15 years of experience helping you protect it.

We Specialize in Coastal Locations

No one understands the challenges of the coast like the people who make it their home, and we have over 15 years of experience providing peace of mind to the coastal communities we serve. When you don’t have to worry about what’s coming your way, you’re able to enjoy the everyday.

Our Claims Service Is Superior

Frontline Insurance claims service FJ Cruiser

Above: Our claims service FJ Cruiser

While living your ideal coastal life, you’re bound to experience a few Whensdays. And whether your loss is big or small, what you want most is the support to take care of it with simplicity and speed. Our superior claims service is quick to respond with real people who are dedicated to getting you right back on your feet.

Don’t just take our word for it – read what our customers are saying about Frontline Insurance in our testimonials section.

Our Financial Stability Rating Is Demotech “A Exceptional”

Frontline Insurance is underwritten by First Protective Insurance Company which has earned the Demotech A Exceptional rating for financial stability. Feel confident that you’re covered no matter what comes your way.

Frontline Insurance has received an A Exceptional rating from Demotech

First Protective Insurance Company has been assigned a Financial Stability Rating® of A, Exceptional, from Demotech, Inc. Read more

First Protective Insurance uses best-in-class reinsurers on its reinsurance program to help satisfy mortgage company financial rating requirements. Remember that reinsurance is a form of insurance that insurance companies purchase to protect them and you. First Protective Insurance reinsures against losses in excess of a 1 in 100 year event—that’s an event that has a one percent chance of occurring in any given year.

By partnering with the best reinsurers in the business, we’re able to stay financially stable and make sure you receive excellent claims service. Reinsurers, excluding the Florida Hurricane Catastrophe Fund, are listed below along with their respective A.M. Best Rating.


Reinsurers as of 7/13/15A.M. Best Rating
Amlin BermudaA
Lloyd's SyndicatesA
Everest ReA+
Montpelier ReA
Partner ReA+

Our Contractor Assist Program Takes Care of You

When damages disrupt your daily life, you want it taken care of as quickly as possible. We partner with North America’s largest disaster restoration contracting organization, DKI, to manage the rebuilding process from claim to completion so you can return to normal. Learn More

We Offer a Preferred Contractor Program

At Frontline Insurance, we believe in helping you find the confidence to take on life’s disasters. Depend on our comprehensive list of trusted contractors when you need dedicated individuals ready to restore your life on the coast.

Our Customer Portal Is Second-to-None

We’re committed to protecting your life on the water any way we can. Our customer portal encourages you to take control of your policy with 24/7 access to your account. You can make payments, submit claims, check claim status, and view policy documents in one spot, on your terms.

We Have Some of the Best Agents in the Business

Our agents are the most knowledgeable in the industry, and they understand what it takes to cover your life on the coast—because they live in the areas they serve. They are dedicated professionals who are committed to treating you like a person, not a policy.

We Are a Trusted Choice® Company

Frontline Insurance is a member of Trusted Choice and was voted FAIA’s 2014 Trusted Choice® Company of the Year. That means we’re dedicated to doing whatever it takes to find the services that fit your needs and provide you with 24/7 support.

Trusted Choice “Pledge of Performance”:

  1. Work with you to identify the insurance and financial services that are right for you, your family, or your business and use our access to multiple companies to deliver those products.
  2. Guide you through the claims process for a prompt and fair resolution of your claim.
  3. Help you solve problems related to your coverage or account.
  4. Explain the coverages and options available to you through our agency, at your request.
  5. Return your phone calls and e-mails promptly and respond to your requests in a timely manner.
  6. Provide 24/7 services for our customers, offering any or all of the following: emergency phone numbers, Internet account access, e-mail, and call center services.
  7. Use our experience and multiple company relationships to customize your coverage as needed.
  8. Commit our staff to continuing education so they may be more knowledgeable in serving you.
  9. Treat you with respect and courtesy.
  10. Conduct our business in an ethical manner.