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Who We Are

Safe Harbor Insurance Company, along with our strategic partners, Cabrillo Coastal General Insurance Agency and Harbor Claims, is dedicated to providing our policyholders with unparalleled service. As a Florida domestic company, we truly understand the marketplace we serve. Our focus is to help you protect one of your most cherished investments…your home. Whether an agent or Citizens policyholder, we invite you to learn more about us and our administrative partners Cabrillo Coastal and Harbor Claims.

Safe Harbor Brochure

Financial Strength

Only four Florida homeowners companies hold a higher Demotech rating (Source: SNL Financial. Group ratings are counted once.)
• Financial Stability Rating of A' (Unsurpassed) by Demotech, Inc.*
Safe Harbor Reinsurance Handout
Safe Harbor Financial Statement

* Visit for current ratings

Citizens Depopulation

We are pleased to have received approval from the State of Florida’s Office of Insurance Regulation as a takeout company for the January 7th, 2014 assumption. Since entering the Florida market, Safe Harbor has taken extraordinary measures to preserve absolute financial integrity to our policyholders. An equally conservative strategy is in play for the Citizens assumption process. Safe Harbor is one of the most highly rated companies to request participation in Citizens depopulation in recent years.

Have you received a letter from us?Policy Holder Letter

Learn more about our Citizens Takeout.

Claims Administrator

Harbor Claims, LLC
1-866-482-5246 (Toll Free)
Please visit us online to report a claim or to check your claim status.

When you need us, we're here 24/7, 365 days per year. That's Peace of Mind. Review our claims strategy and philosophy.

If you suffer a loss, please let us know as soon as possible.

Policy Administrator

Cabrillo Coastal General Insurance Agency
PO Box 357965
Gainesville, FL 32635-7965

Toll Free: 1-877-357-5789
Fax: 352-224-2894
General Takeout Inquiries:

e-mail Opt-out Forms To: