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Ocean Harbor Casualty Insurance Company

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Ocean Harbor Auto Insurance Company and Phone Number

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships dont influence our content. Our opinions are our own. To compare quotes from many different 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.

On This Page

  • The Ocean Harbor Casualty Insurance company only provides car insurance in Florida and California
  • Ocean Harbor Casualty offers standard car insurance coverage
  • Drivers can shop online for car insurance quotes

You need car insurance to protect yourself and your vehicle, whether youre popping out for a five-minute drive or going on a road trip. Drivers today are spoiled for choice when it comes to picking an insurance company. Thankfully, free Ocean Harbor Casualty Insurance reviews like this one can help you narrow down your options.

Drivers in California and Florida can get the coverage they need to be protected while driving with an Ocean Harbor car insurance policy. However, it is a smaller company with a minimal coverage area. If you need insurance, keep reading to learn more about Ocean Harbor Casualty Insurance, how to keep your car insurance rates low, and how an insurance company calculates your rates.

Does Ocean Harbor Casualty Offer Drivers Discounts

There is no mention of what discounts Ocean Harbor Casualty may offer on its website, but as you shop for insurance online, you can refer to this data table which displays discounts offered by some of the top insurance companies to make sure that you arent missing out on any money-saving opportunities:

Car Insurance Discounts by Company

Car Insurance Discounts

As you can see, most insurance companies offer a wide variety of discounts that can make great coverage more accessible to drivers no matter their budget.

Ocean Harbor Insurance Reviews

The Better Business Bureau gives Ocean Harbor a C- rating, which is considerably low. The company has closed 12 complaints in the past 3 years, 7 of which were filed in the past 12 months. Parent company Pearl Holding Group Inc. also has an F rating with the BBB.

There are few positive Ocean Harbor Insurance reviews. We found one in which the customer seemed more satisfied with the mechanic that fixed his car than with Ocean Harbor itself. Other Ocean Harbor reviews commonly referred to the business as a scam.

Many Ocean Harbor reviews describe the claims process as long and challenging. Customers regularly encounter hour-long hold times and are ping-ponged between agents for weeks. Some customers even waited for months before their insurance claims were processed.

Here are a few reviews from the Pearl Holding Group BBB page, where two stars was the highest rating given by any reviewer.

My son was involved in an accident on February 2, 2019. The car was picked up and stored by this company, and to this date , my son has no resolution and may not due to this company stating there was no police report made and the owner of policy didnt submit his written statement of accident.

-Liz B.

Hands-down the worst business I have ever dealt with. Took months to receive payment after being rear-ended. Even then, it was significantly lower than the third-party appraisal.

-Dylan A.

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Am Best Downgrades Ratings Of Ocean Harbor Casualty Insurance Company And Its Affiliates Removes Ratings From Under Review

OLDWICK, N.J.—-A.M. Best Co. has removed from under review with negative implications and downgraded the financial strength rating to B from B+ and issuer credit ratings to bb+ from bbb- of Ocean Harbor Casualty Insurance Company and its newly acquired reinsured affiliate, Hawaiian Insurance and Guaranty Insurance Company, Limited .

Concurrently, A.M. Best has removed from under review with developing implications and affirmed the FSR of B and ICR of bb+ of Great Northwest Insurance Company . These rating actions follow the acquisition by RM Ocean Harbor Holding, Inc. on behalf of its primary insurance operating company,OHCIC. The outlook assigned to the ICRs is negative, while the outlook assigned to the FSR is stable.

The ratings and outlook reflect OHCICs weakened risk-adjusted capitalization following its acquisition of the stock of GNW Holding, Inc. and its two wholly-owned subsidiaries, GNW and HIG. Additionally, the ratings and outlook reflect the January 31, 2012 corporate reorganization and divestiture of Safe Harbor Insurance Company into an affiliated stand-alone entity, and GNW Holding, Inc. becoming an intermediate holding company between OHIG and RMOHHI. Due to this restructuring, GNW Holding, Inc.s ICR of b has been withdrawn.

Partially offsetting these negative rating factors is OHIGs five-year operating profitability, albeit declining, which includes the five-year operating results of GNW and HIG.


How Much Will Ocean Harbor Reimburse For Rental Car Expenses

Ocean Harbor Insurance Number

If a vehicle has comprehensive and collision coverage, rental reimbursement is part of the service, and Ocean Harbor would reimburse $20 per day, for a maximum of 10 days per policy year. NOTE: If the policy holder does not have Comprehensive and Collision Coverage on policy, they will not have the rental reimbursement portion of the coverage.

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Ocean Harbor Casualty: The Bottom Line

Drivers in California or Florida can get standard car insurance coverage through Ocean Harbor Casualty. However, tech-savvy consumers and drivers looking for excellent customer service may not be a great fit for this company as it doesnt offer much in the way of modern conveniences and has an F rating from the BBB.

Ocean Harbor Casualty does, however, have an A rating from Demotech, so you can rest assured that this company has the financial strength to pay out whatever claims you may need to file.

If you live outside of Ocean Harbor Casualtys coverage areas, you can enter your ZIP code to compare free quotes from insurance companies near you today.

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

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All…

Our Take On Ocean Harbor Insurance: 30 Stars

We do not recommend Ocean Harbor car insurance. Ocean Harbor Insurance reviews indicate that the company is a cheap way to insure your vehicle in Florida, but the coverage is limited and reviews of the quotes and claims process are poor. There are certainly better options for cheap Florida car insurance.

Weve reviewed the best auto insurance companies in the industry and have a couple of recommendations for you to consider over Ocean Harbor. There is no one best choice for everyone, which is why its a good idea to compare car insurance quotes from multiple insurers.

To collect and compare free quotes from providers available in your state, call or use the tool below.

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Ocean Harbor Insurance Technology

Ocean Harbor Insurance does not have a mobile app with which customers can review policy details and manage insurance claims. Today, such convenience is a standard offering among most major insurers. While not necessary, a policy and claims mobile app is a nice convenience that modern customers have come to expect.

What Is The Maximum Limit For Ocean Harbor Insurance

Florida agency downgrades 4 property insurance companies’ ratings

Ocean Harbor has increased Coverage A maximum limits to $1.75 million on our Homeowners and Dwelling Fire programs. Competitively priced, see how much you can save with higher value options. Save time, money and postage! For a limited time, were waiving processing fees when you pay your bill online using our eCheck service.

Read Also: North Star Mutual Insurance Company

Rodriguez V Ocean Harbor Cas Ins Co

Peter Bray United States Magistrate Judge

Report and Recommendation

After paying the amount awarded by appraisal, Ocean Harbor filed a motion for summary judgment. The court recommends that the motion be granted. 1. Background

Rodriguez purchased a mobile home insurance policy for the period June 30, 2017, to June 30, 2018. On September 6, 2017, Rodriguez filed a claim for storm loss occurring on August 27, 2017. An adjuster inspected Rodriquez’s property on September 19, 2017. Id. at 5. On October 6, 2017, Ocean Harbor notified Rodriguez that the adjuster’s damage estimate fell below the policy deductible and that other claimed damages were excluded from coverage. Id. at 5.

Rodriguez retained counsel who sent Ocean Harbor a pre-suit notice and demand letter on July 17, 2018. A year later, on July 2, 2019, Rodriguez’s counsel invoked appraisal. Before the appraisal award issued, Rodriguez filed this action in state court against Ocean Harbor on August 23, 2019, raising claims for breach of contract, bad faith, and violation of the Texas Prompt Payment of Claims Act . Defendant removed the case to federal court.

On October 16, 2019, the appraisal award issued in the amount of $7,396.06 in replacement cost value. On October 23, 2019, Ocean Harbor sent Rodriguez a payment in the amount of $6,460.32, which was the appraisal amount less depreciation and the policy deductible.

A. Breach of Contract

B. Bad Faith


Barbara TechsCorpOrtiz


What Is Ocean Harbor Casualty

Founded in 1986, the Ocean Harbor Casualty Insurance Company is one of five companies that make up the Ocean Harbor Insurance Group. Ocean Harbor only provides traditional forms of car insurance coverage.

The companys website is very stark, so you wont be able to find any Ocean Harbor Casualty Insurance login to view digital copies of your insurance paperwork or a portal to make Ocean Harbor Casualty Insurance payments online.In addition, if you would like to get a quote from Ocean Harbor Casualty, youll need to call one of the Ocean Harbor Casualty Insurance phone numbers.

Demotech awarded Ocean Harbor Casualty an A rating, which is an excellent sign for the companys financial future. However, the Better Business Bureau gave this company an F rating, which may deter drivers who want to work with a company that can provide stellar customer service.

If you have to file a claim, youll need to call the Ocean Harbor Casualty Insurance claims phone number since there is no way to file a car insurance claim online with Ocean Harbor Casualty.

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Ocean Harbor Insurance: Reviews Coverage And Cost

When comparing car insurance options, it can be tempting to go with the cheapest insurer. But when it comes to Ocean Harbor Insurance, reviews are astoundingly negative. Ocean Harbor provides low-cost options for minimum insurance coverage, but its poor customer feedback may give potential policyholders cause for concern.

Negative reviews for car insurance companies are common. When insurance works smoothly, drivers dont usually take the time to leave a comment. But the claims process can be stressful, and policyholders are more likely to leave complaints. In this article, well take a deeper look to see whether Ocean Harbor Insurance is worth it.

If youre looking for the best insurance coverage, you can enter your zip code into our easy-to-use tool above or call our team at to get free quotes from top providers.

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Ocean Harbor Insurance Overview

Pearl Holding Group Insurance / Site Map

Ocean Harbor Casualty Insurance is a home and car insurance company also known by its parent company, Pearl Holding Group. Ocean Harbor serves auto policies in several states, but it operates primarily in Florida and is headquartered in Orlando.

The car insurance company has an AM Best financial strength rating of B, meaning that it isnt likely to go out of business anytime soon, but it also doesnt have the strongest finances in the industry. Some Ocean Harbor Insurance reviews claim that the company is a scam, but it is a legitimate insurer with a stable revenue stream.

Recommended Reading: How To Save Money On Car Insurance

Ocean Harbor Auto Insurance Cost And Discounts

There is no fixed insurance price for everyone. The following factors are commonly used to assess insurance premiums:

Based on Ocean Harbor Insurance reviews, the company offers relatively cheap auto insurance. Ocean Harbor seems to specialize in providing customers with the minimum legal insurance coverage at the lowest possible insurance rates.

How much car insurance you need is also different for everyone. Each state sets its own minimums for coverage, but they are often low and may not provide enough protection in the event of a severe accident. While cost is certainly a factor, the whole point of auto insurance is to be protected.

Ocean Harbor Insurance Q& a

Ocean Harbor Insurance does not disclose a general phone number policyholders can contact in order to speak to a representative. The company instead opts to provide a specific phone number for each region it operates in, to ensure the representative answering your call will be knowledgeable when it comes to specific state laws or other region specific situations.

Ocean Harbor Regional Numbers:

If you’re seeking to file a home, condo, or renters insurance claim with Ocean Harbor, you can however call . For auto insurance claims, feel free to reach out to their Florida office at , California office at , or New York office at .

Ocean Harbor does not disclose whether they accept partial payments for car insurance on their website. The company also does not offer insurance through their own agents, it instead uses independent agents from the insurance agencies listed on their website. Since insurance agencies can vary on their payment policies, it’s best to contact the agency handling Ocean Harbor policies in your state.

Generally however, insurance companies will offer a variety of payment plans that can range from monthly and quarterly to yearly or even twice per year.

What type of help do you need?

Information on this page is provided ‘as is’ and solely for informational purposes, not for any other purpose or advice. In addition, this information does not originate from us and thus, we do not guarantee its accuracy.

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Ocean Harbor Casualty Insurance Overview

Headquarters: Sunrise, FLâJ.D. Power Claims Satisfaction Rating: n/aâBetter Business Bureau Rating: DOcean Harbor Casualty Insurance Company was founded in 1986, and today they offer home and auto insurance services. Their focus is on offering coverage in coastal areas where major carriers are reducing their exposure. Youâll find Ocean Harbor Casualty in Hawaii, Florida, New York, the Midwest and Pacific Northwest. Looking ahead, theyâre also working on growing their business in South Carolina, Texas and Mississippi. âPearl Holding Group, a managing general agent that has been operating in the state of Florida since 1991, currently represents Ocean Harbor Casualty Insurance Company and Equity Insurance Company.

Does Ocean Harbor Casualty Offer Competitive Rates

VARSHAM INSURANCE AGENCY Call 1-818-500-5050 auto busienss car commercial health home insurance

While you need to purchase car insurance if you want to head out onto the road, its vital that you buy affordable insurance. If you choose a policy outside the constraints of your budget, your policy could be canceled if you fail to make a payment. That, in turn, could lead to a lapse in coverage that could raise your rates when you need to get a new policy.

Unfortunately, Ocean Harbor Casualty doesnt share its rate information with the public, but if you are trying to estimate how much you might pay for insurance, you can use this chart below to find the average rate of insurance in your home state:

Average Annual Car Insurance Rates by State


Remember that your rates could be quite different from those shown above because every insurance company requires applicants to undergo an underwriting process. Whenever you fill out a quote online, youll be required to share details about yourself and your car, and these details can include your age, occupation, car age, and more.

Once the insurance company has all your information, it can determine if you are a low or high-risk driver and give you a unique rate.

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About Ocean Harbor & The Non

Nonstandard in the insurance agency lexicon is a kind way of saying clients that live paycheck to paycheck, and/or have poor credit, and or have a history of accidents/DUIs, and finally tend to pay their premiums in cash or money orders. Ocean Harbor is usually the queen of this group in South Florida, and Windhaven is the king.

There is a prince that is Responsive Auto and a few other second born princes like Federated, or AMWINS, but those carriers have limits on the amount of risk they will carry based on where.

Why, you ask? Great question faithful reader..its because non standard companies make lots of money. Why arent there more competitors then to bring the price or premiums to be exact down?

Because it is difficult to set up the companies to meet Florida statutes and still conduct business profitably. In the case of non standard carriers, there is always seemingly a Holding company or General Agency that recruits agents to write business. My guess is that there political contributions to the Governor, but to be honest I dont know why there arent more companies in Florida competing with Ocean Harbor for business.

For instance, in Texas, there are over 15 companies that represent this demographic while in Florida there are only 4 or 5. That being said the premiums are just about half of South Florida and secondly the population centers are much smaller. We have heard complaints about Miami traffic, but who hears about complaints about San Antonio?


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