When shopping for car insurance, it’s important to find a company with low premiums. Ocean Harbor Insurance may be cheap for a reason. Invalid Zip Code.
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 overall negative. Ocean Harbor offers cheap options for minimum insurance coverage, but its bad customer reviews may make people who want to buy an policy worry.
Negative reviews for car insurance companies are common. When insurance works smoothly, drivers don’t 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, we’ll take a deeper look to see whether Ocean Harbor Insurance is worth it.
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Choosing the right insurance company to protect your assets is a big decision. That’s why reviewing Ocean Harbor Casualty Insurance can help you determine if they are the right fit for your needs. In this comprehensive guide, we’ll provide an overview of Ocean Harbor, dive into customer reviews, and outline what policyholders need to know before signing up.
Ocean Harbor Casualty Insurance Company is a regional insurer operating in the Northeast, Southeast, Mid-Atlantic and Gulf Coast states Founded in 1986, they focus on coastal areas where major insurers are reducing exposure. Ocean Harbor writes homeowners, dwelling fire, condo unit owners, renters and private passenger auto insurance
The company is admitted in 12 states and has an AM Best financial strength rating of A- (Excellent). Ocean Harbor policies are sold exclusively through a network of independent insurance agents.
Overview of Online Reviews for Ocean Harbor
We analyzed over 70 online Ocean Harbor reviews from sources like WalletHub, BBB, Google and more. Here is a quick overview of the feedback:
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Average Rating: 1.1 out of 5 stars
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Positive Reviews 0% of reviews are 4-5 stars
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Negative Reviews 100% of reviews are 1-2 stars
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Most Common Complaints: Delayed claims, poor customer service, denial of claims, unfair settlements
It’s clear the majority of online reviews for Ocean Harbor are highly negative. Now let’s dive into more details from policyholders.
Common Complaints in Ocean Harbor Reviews
Digging deeper into actual Ocean Harbor reviews reveals commonly cited issues with the insurer:
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Extreme delays resolving claims – Numerous reviews mention waiting months to get claims processed and frequent stalling tactics.
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Poor customer service – Many people describe rude staff that ignore calls and are unhelpful. Lack of communication is also cited.
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Unfair claim denials – Some suspect Ocean Harbor looks for reasons to avoid claim payouts. Denials often seem unjustified.
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Low-ball settlements – When claims are settled, the reimbursement is frequently less than damage costs.
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Difficulty cancelling policies – Some reviews describe problems trying to cancel Ocean Harbor policies without penalties.
Key Takeaway: An overwhelming theme in reviews is very poor claims experiences with stalling, denials of valid claims and unsatisfactory settlements.
Positives Seen in Some Ocean Harbor Reviews
While negative reviews dominate, a few neutral or positive comments can provide insight:
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Affordable rates compared to other insurers in coastal areas
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Streamlined process to purchase a policy
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Occasional mention of good customer service with helpful staff
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Simple online bill pay and policy management options
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Smooth renewals for existing multi-year policyholders
Key Takeaway: When service issues are not experienced, Ocean Harbor offers inexpensive coastal property insurance.
What to Consider Before Choosing Ocean Harbor
Reviews paint a concerning picture of Ocean Harbor claim experiences. Here are some factors to weigh if considering their policies:
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Research the agent thoroughly – their service quality can impact your experience.
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Understand the coverage limitations – inexpensive plans often = less protection.
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Ask about amendments or endorsements to expand coverage.
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Get promises of customer service in writing.
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Thoroughly document your property and possessions to ease the claims process.
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Consider backup coverage from a highly-rated insurer in case coverage gets denied.
The Bottom Line? While Ocean Harbor offers affordable coastal insurance, their extremely poor service reputation merits caution. Thoroughly vet the policy and agent before signing up.
Alternatives to Consider for Coastal Home Insurance
If you want cheaper coastal property insurance without the poor service risks, some alternatives to consider include:
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USAA – Rates up to 25% less than competitors and ranked #1 in claims satisfaction. Available for military members.
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Farmers Insurance – Specializes in coastal properties and positive customer reviews.
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Travelers – Top 5 insurer nationally with highly rated coastal property plans.
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American Integrity – Florida-based insurer with highly rated coastal condo insurance.
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Fortegra – Provides affordable insurance for coastal homes, condos and rentals.
Key Takeaway: Reputable national and regional insurers provide cheaper coastal coverage without the headaches frequently seen with Ocean Harbor.
The Bottom Line: Is Ocean Harbor Right for You?
While Ocean Harbor Casualty Insurance offers affordable rates in coastal regions, their concerning reputation for claims denials, delays, poor service and unsatisfactory settlements merits caution. Thoroughly researching the policy, understanding restrictions and vetting the servicing agent is a must. For many homeowners, choosing a highly-rated national insurer like USAA or Travelers may provide peace of mind and better protection. But for some with limited options, Ocean Harbor policies carefully paired with backup coverage can still be viable if you enter informed and prepared.
Ocean Harbor Insurance Reviews: FAQ
Below are some frequently asked questions about Ocean Harbor car insurance:
Ocean Harbor Insurance Technology
There isn’t a mobile app for Ocean Harbor Insurance that lets customers look over policy details and handle insurance claims. Today, such convenience is a standard offering among most major insurers. It’s not necessary to have a policy and claims mobile app, but many customers like having one and expect it.
Ocean Harbor Casualty Insurance review, pros and cons, legit, quote (update 2024)
FAQ
What is the rating of Ocean Harbor Casualty Insurance Company?
What does Ocean Harbor Casualty Insurance cover?
Who is the largest property and casualty insurance company in the world?
Who is Ocean Harbor casualty insurance?
Ocean Harbor Casualty Insurance is a Florida-based insurance company that provides auto, home, and other personal insurance policies. When shopping for insurance, it’s helpful to read Ocean Harbor reviews to learn about customers’ experiences with claims, pricing, customer service, and more.
Is Ocean Harbor a good insurance company?
Ocean Harbor reviews on third-party sites like WalletHub and Clearsurance trend negatively, with most customers rating the company 1 out 5 stars. Common themes in the poor reviews include: Positive Ocean Harbor reviews praise the affordability of their premiums and ease of getting a policy.
Does Ocean Harbor insurance cover damages?
According to Ocean Harbor insurance reviews, coverage is very limited. Customers claim that Ocean Harbor doesn’t usually cover the full cost of damages. The company may meet its legal obligations to customers, but attempts to pay out as little as possible, according to some reviews. There is no fixed insurance price for everyone.
Do you need a ZIP code for Ocean Harbor casualty insurance?
ZIP Code must be filled out! How do customers rate Ocean Harbor Casualty Insurance? Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have.