Frontline Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Scope / programs - Florida homeowners programs including HO3, HO4, HO6 and DP3 with a Florida Underwriting Quick Reference Guide circulating via agent resources.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - Guide is labeled as a quick reference only; individual carrier manuals/portal rules still control. Preferred / target business (Florida) - Owner-occupied primary residences only for scheduled personal property and primary HO3 targets. Home must be owner’s primary where SPP is scheduled.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - Dwellings with updated major systems and acceptable roof age (see roof section) and no adverse structural or maintenance conditions. - Prior continuous coverage with no more than a 45‑day lapse (forced-placed does not count as prior), all forms including HO6.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - Risks meeting required opening protection in near‑coastal zones and with standard, insurable construction (frame, masonry, superior construction for many HO6 risks).([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) Coverage limits (Florida quick reference – agent view) - HO3 & DP3 Dwelling (Coverage A): • Up to $999,999 for risks built 2001 and older. • Up to $1,499,000 for risks built 2002 and newer, with tighter limits in Palm Beach, Broward and Miami‑Dade unless year built is 10 years or newer.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - HO6 (condo): • Superior construction: $50,000–$999,999 combined A+C. • Other construction: $75,000–$999,999 combined A+C.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - HO4 (renters): personal property limits generally $25,000–$100,000, with program maximums noted in guide.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - Personal liability: typically $100,000, $300,000, or $500,000 on HO3; $100,000 or $300,000 on HO4/HO6; $0, $100,000 or $300,000 on DP3.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - Med pay: $1,000–$10,000 (higher med pay only at higher Cov A values per the guide).([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - Scheduled personal property (HO3 only): per‑item limit up to $52,000 and $160,000 aggregate, appraisal required for items over $5,000, no blanket option; dwelling must be owner‑occupied primary.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) Deductibles / wind - All Other Perils (AOP) – HO3: $1,000, $2,000, $2,500, $5,000, with higher fixed deductibles (e.g., $10,000, $25,000) available for larger Cov A values; program notes that hurricane deductible cannot be less than AOP deductible.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - Hurricane: 2%, 5%, or 10% and an “X Wind” (no wind) option. HO4/HO6/DP3 also offer 2–10% and X Wind per line in guide.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - Combined AOP/Hurricane deductible options such as $500/$500 and $1,000/$1,000 available in lower‑risk counties only; not allowed in Broward, Miami‑Dade, Monroe, Palm Beach, Lee and Collier.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) Geographic appetite / agent domicile rules (Florida) - Higher Coverage A limits (above $999,999 for pre‑2002 and above $1,499,000 for 2002+ construction) require submission to underwriting via quote for review. - Tightened coastal-county rules: • Palm Beach, Broward, Miami‑Dade: higher Coverage A tiers generally restricted unless year built is 10 years or newer.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) • Only agents domiciled in or adjacent to Palm Beach, Broward and Miami‑Dade can write in those counties. • Only agents domiciled in Lee, Collier, Sarasota or Charlotte may write in Lee and Collier counties.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - Risks within 1,000 feet of the Atlantic or Gulf (with special Panhandle rules by year‑built) must meet opening protection standards (see below).([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) Construction / age / systems - Age of structure: dwellings over 50 years old are subject to underwriting referral when lower AOP deductibles ($500 or $1,000) are selected; older homes generally must carry at least a $2,500 AOP deductible.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - Roof eligibility: • Architectural shingle: 15 years or less. • 3‑tab / composition shingle: 10 years or less. • Metal: 30 years or less. • Tile: 25 years or less. • All roofs must have at least 5 years of remaining useful life. • Ineligible roofs include multiple layers, liquid-applied coatings, asbestos shingles, flat roofs (unless reinforced concrete), roofs with unrepaired damage, and wood shake without recent fire‑retardant treatment (exceptions where installed 2005+ with documentation).([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - Water heaters: units 15 years or older are ineligible; all water heaters must be in favorable condition.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - Opening protection (wind mitigation): hurricane opening protection required if within 1,000 feet of the Atlantic or Gulf (Panhandle: structures 2006 and older; other FL counties: 2001 and older). Superior‑construction condos may be exempt from opening‑protection requirements.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) Restricted / declined risks (Florida guide highlights) - Construction/structure: • Homes using EIFS, Dryvit or other synthetic stucco. • Log homes, earth‑sheltered homes, inflatable or otherwise unusual construction types. • Dwellings with solid fuel heating devices other than a professionally installed or factory‑built fireplace. • Electrical systems with panels or breakers manufactured by Zinsco, Federal Pacific, Sylvania, Challenger, or service less than 60 amps. • Knob‑and‑tube, cloth or aluminum branch wiring, fuses, double‑tapped breakers. • Homes with polybutylene, galvanized, or cast‑iron plumbing or other known‑deficiency piping.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - Roofs and exteriors: any roof showing active leaks, unrepaired damage, improper coatings, or non‑approved flat roofs; roofs exceeding age thresholds above. - Systems: water heaters 15+ years, or any major system in poor or unsafe condition. - Coverage history: applicants without acceptable prior coverage, with >45‑day lapse, or only force‑placed history are ineligible under standard guidelines.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) Notable coverages / options - Ordinance or Law: 25% of Cov A included on HO3/HO6, with option to increase to 50%; DP3 can add 10% or 25% as optional coverage.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - Limited fungi, wet/dry rot and bacteria: basic $10,000 limit with optional increases of $25,000 or $50,000, subject to combined dwelling/personal property thresholds on condos.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) - Animal liability: $25,000 sublimit shown on HO3 quick reference; not available on HO4/HO6/DP3.([cr4-dl.fetchuw.com](https://cr4-dl.fetchuw.com/resource/frontline-insurance-guideline-6398b86de829cc60ba5cd5c2-5da26813e23ec47f5e3d6103.pdf?utm_source=openai)) Submission & underwriting handling (operational notes) - Agents are expected to front‑end underwrite to the quick reference standards and submit any risks outside guidelines to the Underwriting Team via the quoting platform for review. - Quote submissions are the path for: • Coverage A values above quick‑reference maximums. • Older homes seeking lower AOP deductibles than the default minimums. • Any exception requests in restricted counties or for unusual construction/roof scenarios. - Prior insurance verification, inspection results, and supporting documents (e.g., appraisals for scheduled property, documentation of roof life expectancy or fire‑retardant treatment, 4‑point/wind‑mit reports) should be obtained and retained to avoid cancellation or non‑renewal following inspection. - Superior‑construction condos and risks with strong mitigation (opening protection, newer roofs, updated systems) are treated more favorably for eligibility and pricing per agent commentary and mitigation rules.([reddit.com](https://www.reddit.com/r/florida/comments/136sa2a?utm_source=openai)) Broker / producer takeaways - Focus new submissions on: • Newer homes or homes with roofs and systems well within age thresholds. • Clean prior insurance history with minimal lapse and no force‑placed only history. • Properties with wind-mit features, especially in coastal and Panhandle counties. - Avoid quoting Frontline for: • Older dwellings where the insured refuses higher AOP deductibles. • Properties with non‑standard construction, problem plumbing/electrical, or aged/ineligible roofs. - County‑domicile rules matter: only submit coastal‑county business (Palm Beach, Broward, Miami‑Dade, Lee, Collier) if your agency domicile meets the underwriting guide conditions. - Treat the quick reference as a high‑level screen; always confirm final rules, forms and endorsements in the Frontline agent portal/manual for the specific state and form.