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.
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 insure 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 net retention per storm of $1.5 million. Reinsurers, excluding the Florida Hurricane Catastrophe Fund, are listed below with their respective A.M. Best rating as of 6/1/10.
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Reinsurers as of 6/1/2010
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A.M. Best Rating
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|---|---|
| Lloyd’s Syndicates | A-/A+ |
| Montpelier Re | A- |
| Argo Re | A |
| SCOR Switzerland, Ltd | A- |
| Paris Re | A- |
| Everest Re | A+ |
| Harbor Point | 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. For more information about our companies’ ratings, please visit http://www.demotech.com.
The products we sell –
Homeowners: our homeowners policies insure owner occupied homes and also provide coverage for contents and liability including wind storm (hurricane) coverage.
Dwelling Fire: dwelling fire policies insure a home that is tenant-occupied, covering the building structure and offering limited contents and liability options including windstorm (hurricane) coverage.
High Value Home Program: policies insure owner occupied and tenant occupied (that meet certain criteria) homes and provide coverage for contents and liability for values $1,000,000 to $7,500,000, including windstorm (hurricane) coverage.
Condo-unit owners: insures condominiums that are occupied by either the owner or tenant, including windstorm (hurricane) coverage.
Flood: we offer a federally backed flood insurance program through First Protective Insurance, covering damage due to flooding according to the guidelines established by the National Flood Insurance Program.
