Who We Are

The objective of Safe Harbor Insurance Company is to provide superior service, competitive pricing and peace of mind for all of our policyholders.  That is what you deserve.  That is our mission.

Safe Harbor Insurance Company is a Florida domiciled insurer that was established to provide a premier Homeowners insurance product for people who live along the coast.  Safe Harbor was founded by a group of people with over 150 years of combined experience in the homeowners insurance business.  At Safe Harbor, we understand the challenging nature of the Florida marketplace and the constraints our customers face.  We are committed to helping protect your property.  Safe Harbor Insurance Company is administered by Cabrillo Coastal.

Claims-Handling Excellence

Harbor Claims, LLC, the claims administrator for Safe Harbor, has an excellent track record for closing claims quickly and fairly.  After Hurricane Ian made landfall on September 28, 2022, they handled over 8,000 claims, closing 93.6% by year-end after an in-person visit from an adjuster. Most importantly, they have a network of more than 200 experienced adjusters ready to respond at a moment's notice should a storm strike.

Financial Stability

Safe Harbor Insurance Company has been assigned a Financial Stability Rating® of A, Exceptional, from Demotech, Inc. - one of the highest designations available.  The most current FSR can be verified by visiting www.demotech.com.

Safe Harbor guarantees to uphold complete financial integrity, for all of our policyholders, through any possible natural event that occurs.

Report a Claim

At the time you need us most, we are here 24/7, 365 days a year.  If you suffer a loss, please let us know by calling us or using our online form.

Harbor Claims, LLC
1-866-482-5246 (Toll Free)

Pay Your Bill Online

We accept renewal and installment payments online.

Click here to make a payment using American Express, Discover, MasterCard or Visa.