Ocean Harbor Insurance Review [2022]

Ocean Harbor insurance sells home and car insurance in select states. Although the company promises cheap rates, customer reviews are generally horrible. Customers state that mechanic shops won’t repair their vehicles because of Ocean Harbor’s reputation and cars sit unrepaired for months. A.M. Best rates Ocean Harbor as a B+, but the Better Business Bureau gives it an F. If you need auto or home insurance, it might be best to skip this company.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

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A Concise Overview

  • Ocean Harbor sells home insurance in eight states and auto insurance in California and Florida
  • Rates tend to be cheaper than average with Ocean Harbor, especially if you purchase state minimum insurance
  • Most customers rate their experience with Ocean Harbor extremely critically and regret their decision to purchase a policy

When you’re in the market for insurance, attempting to find the best company for your needs can be confusing. Should you pay more for coverage with a large, well-known company that you know you can trust? Or should you take a chance on a local provider for a more affordable rate?

Ocean Harbor Casualty Insurance Company is a small corporation that provides auto and homeowners insurance in several states. While they are actively trying to expand, Ocean Harbor primarily operates in Florida and California.

Reviews state that Ocean Harbor insurance company rates are affordable, but unfavorable feedback plagues the company. If you need home or auto insurance and are interested in Ocean Harbor, you should carefully consider the information below before deciding.

Ocean Harbor insurance rates might be your least expensive option, but you should compare prices with other companies to ensure that you receive the best deal. Enter your ZIP code into our free tool to determine what quotes might look like for you.

What is Ocean Harbor insurance?

Ocean Harbor offers home and auto insurance. Residents of California and Florida can purchase auto insurance from Ocean Harbor. If you need home coverage, Ocean Harbor operates in the following states:

  • Florida
  • California
  • Hawaii
  • New York
  • Texas
  • South Carolina
  • Louisiana
  • Mississippi

Ocean Harbor offers five types of auto insurance coverage. While its auto insurance products lack excitement and  innovation, it has everything that you need to keep your car fully covered.

For property insurance, you can purchase homeowners, condominium, renters, and dwelling fire insurance.

Ocean Harbor Auto Insurance

Ocean Harbor has a limited number of insurance options for your car, but it offers everything you need for state minimum insurance and full coverage. You can obtain the five most common coverage options from Ocean Harbor:

  • Liability – Liability covers damage that you cause to people and property. Most states require a minimum amount of liability coverage. California requires $15,000 per person for bodily injury and $5,000 for property damage. Florida requires $10,000 in property liability only.
  • Personal injury protection (PIP) – This coverage helps pay your medical bills when you’ve been injured in an accident. California does not require PIP, while Florida requires $10,000.
  • Underinsured/uninsured motorist – Although most states require insurance, not everyone follows the law. This coverage protects you from drivers with inadequate insurance. It isn’t necessary in Florida, but California requires $15,000 in coverage.
  • Collision – Although it’s not required by state law, collision is a wise investment because it will help repair your car after an accident no matter who is at fault. Collision is typically required by loan lenders.
  • Comprehensive – This coverage repairs your car from sources of damage aside from accidents, including animal contact, weather, theft, and vandalism. Comprehensive is not required by state law but is part of full coverage.

As you can see, Ocean Harbor doesn’t have the most extensive list of insurance options for your car. However, the coverage that it offers is enough to keep your vehicle safe on the streets.

Ocean Harbor Property Insurance

Owning a home is the classic American dream, and when you purchase a home, you’ll want to keep it safe. While it’s not required in any state, homeowners insurance can protect your home. Ocean Harbor offers four types of home insurance.

  • Homeowners – For traditional homes, homeowners insurance protects the physical structure of your house, freestanding buildings on your property, and your personal belongings.
  • Condo – Although it’s similar to homeowners, this insurance has unique features specific to condominiums.
  • Renters – Just because you don’t own your home doesn’t mean you should be without insurance. Renters insurance protects your personal belongings and will help pay for temporary shelter if your home becomes unliveable.
  • Dwelling fire – If you have a second home or own rental property, you can purchase coverage to protect your structure without paying for personal belongings coverage.

You can also acquire a few additional coverage options for your policy, including scheduled personal property, sewer backup, ID recovery, and debris removal. If you’re interested in property insurance through Ocean Harbor, speak with an agent to determine what’s available in your state.

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What discounts does Ocean Harbor offer?

When you’re looking for insurance, discounts can help you save money on your policies. Smaller companies sometimes lack a good selection of reductions, but Ocean Harbor offers at least a few options.

If you’re buying a homeowners policy, make sure to ask your agent if you are eligible for any of the following discounts:

  • Multi-tier
  • New home
  • Security system
  • Hurricane protective system
  • Superior construction
  • Premise alarms
  • Smoke detectors
  • Age of home
  • Mature homeowner

Unfortunately, Ocean Harbor does not post information about any auto insurance discounts that it offers. However, they likely provide at least a few discounts since there are so many opportunities to save on home insurance.

Is Ocean Harbor insurance affordable?

While Ocean Harbor doesn’t list pricing information on its website, and you need to speak with an agent to obtain a quote, customers generally state that their rates are affordable.

To get an idea of what you’ll pay, review the average price for insurance in the states where Ocean Harbor operates.

InsuranceCaliforniaFloridaHawaiiNew YorkTexasSouth CarolinaLouisianaMississippi
Minimum auto coverage$50$91------
Full coverage$179$184------
Home$97$112$31$82$155$95$132$144
Renters$16$16$8$10$16$11$13$17
Condo$38$87$29$38$67$46$64$66
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Since customers typically mention that Ocean Harbor’s rates are inexpensive, you’ll probably pay slightly less than the average. However, the only way to know exactly what you’ll spend is to obtain a quote from an agent.

Ocean Harbor Insurance Reviews

The best way to become acquainted with a company before becoming a customer is to read reviews. Unfortunately, Ocean Harbor does not have the best feedback.

A good place to start is with professional ratings. The Better Business Bureau gives Ocean Harbor an abysmally low F rating, and there are hundreds of customer complaints on the site.

A.M. Best, which rates companies on their financial stability, gives Ocean Harbor a B+ (Good). That indicates that the company probably won’t have issues with paying your claims.

As for customer reviews, Ocean Harbor has an army of unsatisfied, angry consumers. Policyholders complain that they can’t get in touch with an agent, claims go unpaid for months, and the company generally attempts to avoid its insureds.

Everyone involved in an accident with an Ocean Harbor customer mentions similar complaints, particularly focusing on the difficulty of being unable to contact anyone.

Other grievances involve Ocean Harbor’s declaring vehicles a total loss at a very low damage threshold, then offering far less than the car is worth. Mechanics are often unwilling to work on cars insured by Ocean Harbor since the company has a reputation for missing payments.

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Find the Best Auto Insurance Rates Today

Finding affordable rates is one of the top things to consider when you need insurance, but you should also be cautious about the company from which you purchase coverage. Ocean Harbor promises affordable rates, but most of its customers regret their time with this company.

If you need auto or home insurance, you can compare rates from Ocean Harbor with other companies to find the best price possible. Enter your ZIP code into our free tool to discover what quotes might look like for you.

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