Ocean Harbor Auto Insurance Review: Should you buy in 2024?

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.

Compare Quotes Now

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Luke Williams

Insurance and Finance Writer

Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications.  His insurance and finance writing has been featured on Spoxor, The Good Men Proje...

Insurance and Finance Writer

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

UPDATED: Nov 6, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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

Compare RatesStart Now →

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.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.

Reviews
for Ocean Harbor Casualty Insurance

2.02 (24 reviews)
1
September 25, 2023

CarlosP2023

Excessive rates

I am really disssatisfied with this company as I got them through my insurance agent but the rates you offer literally are double that I used to pay for the same coverage I had before. Unfortunately for me I had to take your insurance as for an urgent situation for my car loan, but I am looking to change the company as soon as I can as these rates are simply preposterous.
N/A
May 30, 2023

Samuel Lundman

Ocean Harbor Casualty Insurance review

On 520 23, I was rearing it by an individual that had insurance from this company. He called the company to make a claim but it never happened. I called the following Monday and make a claim myself. Like I said, I had got rented by the person holding this insurance. Here it is over at week and a half later there is still no claim adjuster. My car is still sitting in the same spot. I\'ve called the claims department almost on a daily basis. My law...
On 520 23, I was rearing it by an individual that had insurance from this company. He called the company to make a claim but it never happened. I called the following Monday and make a claim myself. Like I said, I had got rented by the person holding this insurance. Here it is over at week and a half later there is still no claim adjuster. My car is still sitting in the same spot. I\'ve called the claims department almost on a daily basis. My lawyer has my insurance Geico has and has it to date. Nothing has happened. Remind you that I got rear ended. I was not at fault. This company is lacking professionalism to the highest level and my next step is I\'m going to report them to the better bureau. There\'s no reason for my car to sit there that long when I was not at fault. People be aware of this insurance companies. That\'s why they\'re writing this solo ... My claim number is s. 335 -225 and still nothing has been done since the 20th. This is so unprofessional
1
April 5, 2023

Disappointed_that_I_was_taking_a_fraudulent_insurance_company

Refusing to give me my refund of $331 after only a week of i

I purchased my insurance through them on March 20, 2023 ! I quickly decided that I do not need the policy so I called and canceled it and went into one of their offices and sign the paperwork on March 27 turned in all my information and my tag to the DMV . They send me back-and-forth through other agency and refused to give me my full refund claiming they would take 10% out of $333 and also they claimed they send me $91 that is not 10% out of $33...
I purchased my insurance through them on March 20, 2023 ! I quickly decided that I do not need the policy so I called and canceled it and went into one of their offices and sign the paperwork on March 27 turned in all my information and my tag to the DMV . They send me back-and-forth through other agency and refused to give me my full refund claiming they would take 10% out of $333 and also they claimed they send me $91 that is not 10% out of $333 which I did not receive the $90 on top of that. I believe this company is fraudulent and they need to take accountability For their actions or be closed down I did submit an email to them requesting full payment within 15 days. I will take this matter further. It’s about the principle you just don’t do that to people take their money and not refund it knowing that it was less than a week that they had the policy with no car to drive . This company is outrageous and I should’ve read the reviews before I bought the policy from them.
1
July 3, 2021

Ocean_Harbor_Insurance

I do not recommend

They'll be quick to call a vehicle a total lost to avoid paying out of pocket for repairs an offer way less then what the car is worth, every body shop I contacted turned me away when they heard me mention this insurance because these people don't like to pay up an like conning their customers. I have all the proof on record and it baffles me how this business is still operating
1
April 12, 2021

MarcCC

SCAM

I have been trying to contact the insurance more than 20 different days between January and April 2021, to get updates about my claim. Nobody in the customer service was able to provide me any information, or just did not see the claim, and nobody in the claim department was picking up the phone DURING THESE 20 DAYS DURING BUSINESS HOURS!!! I left voicemails and email with NO RESPONSE. I have not received any letter concerning the claim. They hav...
I have been trying to contact the insurance more than 20 different days between January and April 2021, to get updates about my claim. Nobody in the customer service was able to provide me any information, or just did not see the claim, and nobody in the claim department was picking up the phone DURING THESE 20 DAYS DURING BUSINESS HOURS!!! I left voicemails and email with NO RESPONSE. I have not received any letter concerning the claim. They have put me on a phone call loop where nobody knows about the claim. Good luck having such an "insurance" to help you during difficult times. Give yourself a favor and take more reputable insurance like Geico.
1
December 16, 2020

Barry_

I would never recommended to family or enemy

I have had ocean Harbor for over a year-and-a-half had to make a claim on a total loss it's been 2 months now cannot get anybody on email cannot get anybody on customer service and when you finally do they're very rude and abrupt with you.
1
September 3, 2020

Sunshine State Gal

Ocean Harbor review

Ocean harbor is the worse insurance company in America. Don't use this trashy company you will regret it. It's a scam and one-star rated. Its customer service sucks. This company is literally running itself. It doesn't matter how many times you call, you'll never answer. But for payment only, of course, you'll answer. They refuse to pay claims and will drag the process out forever. Hope this company goes out of business as it's a terrible compa...
Ocean harbor is the worse insurance company in America. Don't use this trashy company you will regret it. It's a scam and one-star rated. Its customer service sucks. This company is literally running itself. It doesn't matter how many times you call, you'll never answer. But for payment only, of course, you'll answer. They refuse to pay claims and will drag the process out forever. Hope this company goes out of business as it's a terrible company. Everyone who works for this trash will go straight to hell they treat customers as if they are doing them a favor aren't we paying for insurance
1
June 15, 2020

Mindyks78

Worst experience ever!

Worst experience ever! If I knew how to give a negative number, I would. These people are a complete rip off Folks!! Dont do business with them!!!
1
February 26, 2020

GtzR

Worst insurance company

Worst service ever!!! One of their customers hit me over a week ago. Not once have they communicated with me or my insurance company even though we have left multiple messages. Any time you try to call an agent or supervisor it goes straight to voice mail. The best advice I can give you is to hire an Attorney immediately if you are involved in a colisión with one of its clients!!! I can not overstate this enough.
5
February 2, 2020

NellieCake

Fiesta Ocean Harbor Best Insurance Company Ever

This a an awesome insurance company. They even came to my home to meet me and take the first payment. They were so awesome and I've been with them for over four years now with no problems.
↑ Back to Top

Write a Review

Policy Type?

Please select a `Policy Type!`
(Min. 100 Characters)

Company Overall Rating

When you submit this review, you will be asked to sign in/up for to your https://staging.buyautoinsurance.com account. If your account is not currently verified, we will send a verification email to the email on file for your account. Please select the verification button in that email. If you do not see the email in your inbox, please check your spam or junk folder. Your review cannot be reviewed and accepted until you complete this verification step.

Compare Quotes Now

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption