Safe Harbor Insurance Company Review

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Written by
Darren Craft

Safe Harbor Insurance Company, rooted in Florida, is a key provider of homeowners insurance primarily for coastal regions. With its policies managed by Cabrillo Coastal General Insurance Agency, Safe Harbor stands out in the Florida market by offering specialized coverage for properties prone to hurricanes and flooding risks.

Financial Rating
A on Demotech
NAIC Group
Ocean Harbor Group
P.O. Box 357965, Gainesville, Fl 32635-7965
Service Phone Number
Claims Phone Number
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Safe Harbor Insurance Overview

Established to serve the unique needs of Florida and South Carolina residents, Safe Harbor supports a variety of property types including standard homes, condos, and mobile homes. Their strategic focus on high-risk areas is complemented by an A financial stability rating from Demotech, reflecting their reliable footing in the insurance landscape.

  • Safe Harbor Insurance Company pecializes in coastal and high-risk area property insurance.
  • Managed by Cabrillo Coastal General Insurance Agency.
  • Safe Harbor Insurance Company holds a financial stability rating of A from Demotech.
  • Offers comprehensive homeowners insurance , condo, and mobile home insurance products.
  • Primarily serves Florida and South Carolina.
  • Offers homeowners insurance, business insurance coverage, installment payments, superior service, and competitive pricing.

Safe Harbor Insurance Company and their commitment to these regions is further emphasized through their tailored insurance products designed to meet the distinct challenges of insuring properties against severe weather and water damage. Their focused approach aims to provide peace of mind to homeowners in some of the most vulnerable areas.

Safe Harbor Insurance Products and Packages

Safe Harbor Insurance offers a diverse range of homeowners insurance products designed to meet the specific needs of homeowners, particularly those in Florida’s coastal and high-risk areas. Their policies are meticulously tailored to provide robust coverage against common regional threats such as hurricanes, flooding, and wind damage.

With a comprehensive lineup that includes everything from standard homeowner policies to specialized coverage for mobile and seasonal homes, Safe Harbor ensures that various property types and owner needs are addressed. Their offerings reflect a deep understanding of the unique insurance requirements posed by the geographical and climatic conditions of their service areas.

  • HO3 - Homeowner's Policy: Comprehensive coverage for private residences.
  • HO6 - Condo Owner's Policy: Tailored for condominium owners, covering personal property and liability.
  • DP3 - Dwelling Fire Policy: Provides coverage primarily for the structure in the event of fire and other specific perils.
  • Mobile Home Insurance: Specialized policies for mobile home owners.
  • Seasonal Home Insurance: Designed for homes not primarily occupied year-round.

HO3 - Homeowners Policy

The HO3 policy is the most comprehensive form of residential property insurance provided by Safe Harbor, offering extensive coverage for both the structure of the home and the personal belongings within it, alongside liability protection.

HO6 - Condo Owner's Policy

This policy is crafted for condo owners and includes coverage for personal belongings, liability, and certain parts of the interior structure as defined by the condo agreement, making it essential for condominium living.

DP3 - Dwelling Fire Policy

The DP3 offers coverage for residential buildings against fire, wind, and other perils. It is often chosen for rental properties where comprehensive coverage is not required but major perils are still a concern.

Mobile Home Insurance

Tailored specifically for mobile homes, this insurance covers the unique risks associated with mobile home ownership, including transport and setup liabilities.

Seasonal Home Insurance

Designed for homes used on a part-time basis, this insurance provides coverage during both occupancy and vacancy periods, protecting against common risks such as theft and water damage during off-season times.

Safe Harbor Insurance Premiums

Safe Harbor Insurance's premium structure reflects the specialized nature of their coverage, particularly for properties in high-risk coastal areas of Florida. The pricing is designed to account for the higher risk associated with insuring against hurricanes, flooding, and other regional-specific perils that can significantly impact these areas.

Given the specialized coverage Safe Harbor offers, premiums tend to be higher than average compared to standard homeowner insurance in less risky areas. However, this cost is a reflection of the extensive protection provided and the significant financial risks associated with coastal property ownership.

  • Premiums are tailored to the unique risks of coastal and high-risk areas.
  • Costs may be above the national average due to the increased coverage against hurricanes and floods.
  • Potential policyholders are encouraged to contact Safe Harbor directly for the most accurate quote.
  • Discounts or reduced rates may be available by inquiring with an agent.

To provide an accurate and specific update on the premium structure of Safe Harbor Insurance, it would be beneficial to reach out directly to the company or access their online quoting tool. This approach ensures potential customers receive the most relevant and current pricing information tailored to their specific location and coverage needs.

Safe Harbor Insurance Discounts and Offers

Safe Harbor Insurance does not explicitly list its discounts and offers on their website; however, potential policyholders are encouraged to inquire directly with agents. Engaging with an agent can reveal various opportunities to reduce premiums through specific eligibility criteria or bundling options.

Potential Discounts and Offers to help you save money:

  • Bundling Discounts: Savings may be available for those who bundle multiple policies, such as combining home and auto insurance.
  • Loyalty Discounts: Long-term customers might be eligible for discounts as a reward for their continued business with Safe Harbor.
  • Safety Equipment Discounts: Installing safety and security devices in your home can potentially lower your premiums.
  • Claims-Free Discounts: Homeowners who have not filed a claim for an extended period might qualify for reduced rates.

Safe Harbor Insurance Customer Service

Safe Harbor Insurance has a mixed reputation regarding customer service, with some policyholders citing challenges in claim handling. The company emphasizes accessibility and offers several channels for customer support and claims processing.

Eligibility & Underwriting Requirements

To obtain insurance from Safe Harbor, applicants must meet certain criteria reflective of the policies they wish to procure, especially for properties located in high-risk coastal areas. These prerequisites ensure coverage is adequately matched to the specific risks and property types.

  • Property Location: Must be in Florida or South Carolina.
  • Property Inspection: Recent inspection reports may be required, especially for older or coastal homes.
  • Risk Assessment: Properties may undergo a risk assessment to determine eligibility and premium rates.
  • Previous Insurance History: Details of any past claims or insurance history are necessary.

Documents Required

Securing insurance with Safe Harbor typically requires several key documents that help assess the property and the applicant's eligibility.

  • Proof of Ownership: Such as a deed or recent property tax receipt.
  • Government-Issued ID: To verify the identity of the policyholder.
  • Recent Home Inspection Report: Especially for older homes or those in hurricane-prone areas.
  • Claim History: A record of previous insurance claims, if any.

Safe Harbor Insurance Application Process

Applying for insurance with Safe Harbor is designed to be straightforward and user-friendly, accommodating the specific needs of homeowners in Florida and South Carolina. The initial step involves a detailed assessment of the property and the applicant’s insurance history to tailor coverage effectively.

The process typically continues online or over the phone where applicants can submit their documents and complete the necessary forms. Safe Harbor provides guidance throughout, ensuring that each policyholder understands the coverage options and terms. This methodical approach helps in customizing policies that best fit the needs and risks associated with the property.

If navigating the insurance application process seems complex, Worth Insurance can assist you. Our experts are equipped to guide you through each step, ensuring a smooth and comprehensive approach to obtaining the right coverage for your home. Contact Worth Insurance today to make your application process as seamless as possible and to explore additional coverage options that may be available to you.

How to Make a Payment to Safe Harbor Insurance

Safe Harbor Insurance offers a convenient and flexible payment system for its policyholders. Customers can choose from several payment methods including online payments, phone transactions, or traditional mail, catering to different preferences and ensuring that making a payment is as hassle-free as possible.

The online payment system is designed to be secure and user-friendly, allowing customers to quickly manage their accounts at any time. For those preferring personal interaction or needing assistance, phone payments provide a direct line to customer service representatives who can help process transactions efficiently.

  1. Online Payment:
    • Visit the Safe Harbor Insurance website.
    • Navigate to the 'Payments' section.
    • Log in to your account.
    • Enter your payment details and confirm the transaction.
  2. Phone Payment:
    • Call the Safe Harbor customer service number at 1-866-482-5246.
    • Provide your policy number and payment information to the representative.
    • Follow the instructions given to complete the payment.
  3. Mail Payment:
    • Prepare a check payable to Safe Harbor Insurance.
    • Include your policy number on the check.
    • Mail it to the address provided on your billing statement.

How to File a Claim with Safe Harbor Insurance

Filing a claim with Safe Harbor Insurance is structured to be straightforward and efficient, ensuring that policyholders can quickly receive assistance in times of need. The company prioritizes a responsive claims process, aimed at minimizing stress and maximizing support for policyholders after an incident.

To facilitate a smooth claims experience, Safe Harbor utilizes online tools and dedicated customer service teams. This approach not only expedites the claims process but also provides clarity and support throughout, ensuring that each step is handled with care and precision.

  1. Immediately Report the Claim:
    • Contact Safe Harbor as soon as possible after an incident occurs.
    • Call the claims hotline at 1-866-482-5246 for immediate assistance.
  2. Provide Necessary Information:
    • Be ready to supply details about the incident, including the date, time, and nature of the loss.
    • Have your policy number and contact information on hand.
  3. Document the Damage:
    • Take photos or videos of the damage, if possible.
    • Make a list of all damaged or lost items.
  4. Complete the Claims Form:
    • Fill out the claims form provided by Safe Harbor, either online or during your phone call.
    • Submit any additional documentation as required by the claims adjuster.
  5. Cooperate with the Adjuster:
    • An adjuster may be assigned to assess the damage and determine the claim value.
    • Provide access and necessary information to facilitate their evaluation.
  6. Follow Up:
    • Keep records of all correspondence and documents related to the claim.
    • Check the status of your claim regularly and stay in contact with your claims adjuster.

Pros and Cons of Safe Harbor Insurance

When considering Safe Harbor Insurance for your home coverage needs, it’s important to weigh both the advantages and drawbacks. This helps ensure that the choice you make aligns well with your specific requirements and expectations. Below is a succinct list of the key pros and cons to consider.


  • Specializes in coastal risks
  • Various policy options
  • 24/7 Safe Harbor claims service
  • A-rated financial stability
  • Wide insurance coverage for diverse insurance needs
  • Make payments online


  • Limited state availability
  • Mixed customer reviews
  • No clear discount policy
  • Required detailed inspections
  • There have been some complaints of poor customer service

Who It's For: Safe Harbor Insurance is ideal for homeowners residing in Florida and South Carolina, especially those in coastal areas who require specialized coverage against high-risk conditions like hurricanes and flooding. It suits those seeking comprehensive property protection and personalized insurance solutions for unique regional challenges.

Wrapping Up

Safe Harbor Insurance provides targeted coverage that caters specifically to homeowners in Florida and South Carolina's risk-prone coastal areas. With their specialized policies and commitment to comprehensive protection, they offer crucial support for managing the unique challenges these regions present.

If you're looking for tailored insurance solutions that align seamlessly with your needs, especially in high-risk areas, consider exploring your options with an independent agency like Worth Insurance. Our expertise ensures that you receive not only protection but peace of mind. Discover more about how Worth Insurance can serve you, and let us help you secure your home with confidence.

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This one-on-one session will allow us to understand your requirements better and offer personalized advice on choosing the best insurance policies for your Florida home.
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We aim to provide you with a seamless and informative journey towards securing the right coverage for your home in Florida.
Written by
Darren Craft
Writer, Insurance
Read more from author
Darren Craft is a licensed insurance advisor. He has been an angel investor in a number of prominent fintech and insurtech startups.

Frequently Asked Questions

What is Safe Harbor Insurance Company's average claim response time frame?

Safe Harbor Insurance’s average claim response time frame is not declared online as the company does not share many details surrounding its claim process. 

What is Safe Harbor Insurance Company's claims process?

Claims can be filed online on their website or by calling 1-866-482-5246 (which is toll free). You may file claims 24/7, 365 days a year. 

The claims process is not made public, which is inconvenient for those who may be interested in filing a claim with Safe Harbor Insurance. Compared to other

Does Safe Harbor Insurance Company have good homeowners insurance?

It is hard to safe whether Safe Harbor Insurance has good insurance for homeowners. While it lists the insurance products it offers online, other important information such as the claim process, history of the company, and more cannot be easily acquired. Safe Harbour Insurance Company appears lacking compared to other companies that detail how the claims process works, what discounts they have, and how they help their customers. 

What is Safe Harbor Insurance Company's customer service availability?

Customer service can be reached 24 hours a day, 7 days a week, 365 days a year. You can contact the company’s customer service department by phone at 866-482-5246. You can also email at

Does Safe Harbor Insurance Company create a user-friendly experience for customers?

Renewals and installment payments can both be made online via either Mastercard or Visa. While the options are not too plentiful, being able to make payments online is definitely a convenience for customers. 

According to customer reviews online, Safe Harbor Insurance Company has issues with resolving claims and providing adequate customer service. The company is partnered with Cabrillo Coastal General Insurance Agency, which may make it difficult to directly contact Safe Harbor Insurance representatives. 

Is Safe Harbor Insurance Company a good insurance company?

Safe Harbor Insurance Company offers a variety of homeowners insurance policies, but the company itself may not be the most competitive. The company does not appear to be the most customer friendly or transparent, even though the founders do collectively have 150 years of insurance experience.

If you are looking for good insurance coverage for you and your family in Florida, Worth Insurance is here to help. Insurance shopping is often a pain, but with our quick quotes, competitive rates, and friendly agents, we can transform your experience into a pleasant and easy one.