Safe Harbor Insurance Company Review & Ratings (2024)
Get reliable and affordable homeowners insurance plans from safe harbor insurance for ultimate peace of mind and protection for your home. compare quotes now and secure your property with confidence.
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 28, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 28, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Safe Harbor Insurance Company
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LowPros
- Competitive Rates: Many customers report being impressed with the affordability of Safe Harbor’s insurance rates.
- Specialized Coverage: Safe Harbor offers tailored plans for traditional and manufactured homes, providing specific coverage to meet various needs.
- Flexible Dwelling Fire Policy: The DP3 plan is designed for homeowners who rent their properties through platforms like Airbnb, offering flexibility in coverage.
- User-Friendly Claims Process: Safe Harbor provides multiple convenient methods for filing claims, offering flexibility and ease for policyholders.
Cons
- Limited Availability: Safe Harbor’s coverage is limited to Florida and South Carolina, restricting access for customers in other states.
- Mixed Customer Reviews: Customer opinions vary, with some expressing satisfaction in customer support and others citing challenges with the claims process.
- Lack of Professional Ratings: Safe Harbor itself does not have professional ratings, relying on underwriter Cabrillo Coastal, which has some customer complaints.
- Coverage Restrictions: Some customers have reported issues with claims denial for damages they believed were covered, indicating potential coverage limitations.
Final Verdict: Review of Safe Harbor Insurance Company
Whether you live in Florida or South Carolina, the danger of tropical storms, flooding, and hurricanes should give you extra incentive to protect one of your most significant investments. Depending on your needs, Safe Harbor might be the right provider for you.
Even if you’re ready to call a Safe Harbor Insurance agent to get a quote, you should still compare prices with other companies. You can find vastly different prices for insurance on the same home, and with the extreme weather risk of the southern coastal states, finding the right policy is critical.
What You Should Know About Safe Harbor Insurance
Welcome to our comprehensive article on Health Alliance medical plans and related topics. In this informative piece, we will delve into the details of Health Alliance medical plans, exploring their coverage options, benefits, and network providers. We will also discuss the importance of health insurance and how it can safeguard you and your family’s well-being.
- Safe Harbor sells homeowners insurance in Florida and South Carolina for traditional and manufactured homes
- You can file a claim and pay your bill online, but you’ll need to speak with an agent to get a quote
- The Better Business Bureau gives Safe Harbor an A+, but customer reviews are mixed
To ensure you make the right choice for your healthcare needs, we encourage you to enter your zip code below and compare rates from the top insurance providers in your area. Take the first step towards securing your health and financial future by finding the perfect Health Alliance medical plan today.
What is Safe Harbor Insurance?
Safe Harbor is a small homeowners insurance provider that sells products in Florida and South Carolina. While some insurance companies branch out and offer multiple insurance products, Safe Harbor focuses on protecting your home.
Though you buy and manage your policy through Safe Harbor, Cabrillo Coastal — another Florida insurance provider — administers your plan.
Safe Harbor offers insurance for traditional and manufactured homes, featuring multiple plans. All plans are available in Florida, but only a few are available to South Carolina residents.
Safe Harbor Insurance Coverage Options
Safe Harbor has three plans for traditional homes: HO3, HO6, and DP3. You can buy any of these plans in Florida, but only the HO3 policy is available in South Carolina.
The HO3 plan is Safe Harbor’s traditional homeowners insurance. This plan covers everything on your property, except for items expressly excluded from your policy. While Safe Harbor doesn’t list details on its site, you can expect the following types of coverage:
- Dwelling. Dwelling coverage protects the physical structure of your home, including the roof, walls, and foundation. It also covers freestanding structures on your property, such as garages, sheds, or fences.
- Liability. The liability portion of your plan helps pay for legal bills if you’re responsible for someone getting injured on your property.
- Personal property. A house by itself isn’t home. Your homeowners insurance will help you protect the things that make up your home, like furniture, clothes, and appliances.
Safe Harbor says that the HO3 plan protects from fire, lightning, wind, theft, and vandalism.
The second plan is for people owning condominium units. The HO6 is a named peril policy, meaning it will only cover what you add to the plan. While you risk financial loss from unexpected damage, it will save you money. HO6 is not available in South Carolina.
Finally, the DP3 plan is a dwelling fire policy. Designed for people who own homes they rent through companies like Airbnb, the DP3 plan lets you choose your coverage.
Residents of Florida can take advantage of the savings the DP3 plan offers, but South Carolinians cannot.
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Safe Harbor Insurance Rates Breakdown
While you need to speak with a Safe Harbor insurance agent to get a quote, many customers say they are impressed with the rates. You might not be able to see how much Safe Harbor costs without speaking with an agent, but you can still get an idea of what you’ll pay.
According to Zillow, the average home in Florida is around $350,000, while South Carolina averages around $270,000. Manufactured homes cost about $150,000 in Florida and $100,000 in South Carolina.
Using those prices, you can estimate how much insurance costs for the average home in your state.
| State | Homeowners insurance | Manufactured homeowners insurance | Renters insurance |
|---|---|---|---|
| Florida | $183 | $74 | $16 |
| South Carolina | $130 | $62 | $11 |
Since customers are generally happy with their Safe Harbor insurance rates, you can expect to pay around the average for your state. However, several factors can affect your rates, including:
- Location. South Carolina and Florida are incredibly vulnerable to hurricanes, and you can expect your insurance rates to increase the closer you live to the coast.
- Age and value of your home. The more your home cost to buy, the more it will cost to insure. Older homes use more expensive materials in their construction, so repairs cost more, which also drives up the price of insurance.
- Credit score. Insurance companies look at your credit score as your ability to make your monthly payments. The higher your score, the cheaper your insurance will be.
- Condition of your home. Older systems or roofs are more likely to cause problems than new systems, which leads to insurance claims. On the other side, you can save money if you’ve recently made home upgrades.
- Safety features. Insurance companies like seeing things like fire or burglar alarms that will keep your home safe. You can usually save money by increasing the security of your home.
This list isn’t comprehensive, but it does have some of the biggest aspects insurance companies look for when they determine your rate.
Frequently Asked Questions
What is Safe Harbor Insurance Company?
Safe Harbor Insurance Company is a provider of property and casualty insurance in the United States. They offer a range of coverage options for homeowners, renters, and businesses, including home insurance, auto insurance, and commercial insurance.
What types of insurance does Safe Harbor Insurance Company offer?
Safe Harbor Insurance Company offers a range of insurance products, including home insurance, auto insurance, renters insurance, commercial property insurance, liability insurance, and workers’ compensation insurance.
How can I get a quote for Safe Harbor Insurance Company?
You can get a quote for Safe Harbor Insurance Company by visiting their website or calling their customer service line. You’ll need to provide some basic information about yourself and your insurance needs to receive a quote.
Does Safe Harbor Insurance Company offer any discounts on insurance?
Yes, Safe Harbor Insurance Company offers a variety of discounts on insurance. These may include discounts for bundling policies, having a good driving record, installing safety features in your home or car, and more.
How does Safe Harbor Insurance Company’s claims process work?
Safe Harbor Insurance Company’s claims process is relatively straightforward. You can file a claim online or by calling their customer service line. Once your claim is submitted, a claims adjuster will review the claim and determine the appropriate payout amount.
Can I manage my Safe Harbor Insurance Company policy online?
Yes, Safe Harbor Insurance Company offers an online portal that allows you to manage your policy, make payments, and view your coverage details.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.