A-Exceptional Insurance

All Frontline Homeowners Insurance policies are underwritten by one of our affiliated companies, First Protective Insurance Company or Fidelity Fire and Casualty. Both of these companies are separate legal entities that are dedicated to providing you the best insurance solutions at competitive rates.

  • Exceptional Financial Stabililty Rating

    First Protective Insurance Company

    has been assigned a Financial Stability Rating® of A, Exceptional, from Demotech, Inc.

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  • Exceptional Financial Stabililty Rating

    Fidelity Fire & Casualty Company

    has been assigned a Financial Stability Rating® of A, Exceptional, from Demotech, Inc.

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First Protective Insurance and Fidelity Fire & Casualty are based in Lake Mary, Florida, and are independent insurance companies that sell and distribute policies through licensed, professional independent agents located in the heart of your community. Our agents will work with you to ensure your valuable assets have the coverage that best fits the needs of you and your family.

First Protective Insurance and Fidelity Fire & Casualty each utilize the reinsurers listed below on their respective reinsurance programs to satisfy mortgage company financial rating requirements. First Protective Insurance and Fidelity Fire & Casualty each reinsure against losses in excess of the 1 in 100 year event, and maintain a low net retention per storm. Reinsurers, excluding the Florida Hurricane Catastrophe Fund, are listed below with their respective A.M.

Reinsurers as of 7/1/12 A.M. Best Rating
Lloyd's Syndicates A
Houston Cas Co A+
Everest RE A+
Montpelier Re A
Alterra A
Argo RE A
SCOR Switzerland A
General RE A++

What is reinsurance? Reinsurance is a form of insurance that insurance companies purchase to protect them and their policyholders in the same way that insureds partner with Frontline Homeowners Insurance. By partnering with the best reinsurers, Frontline is able to protect our financial stability, providing peace of mind for our agents and ensuring excellent claims service for policyholders.