If you’re looking for a cheap auto insurance policy, you may want to consider Ocean Harbor. This company specializes in home and auto insurance and offers a variety of policies to choose from. They also offer a comparison site where you can enter your zip code to compare rates from competing companies. You can also read reviews from other customers to learn more about their reputation.
Coverage
Regarding auto insurance, Ocean Harbor has a few different policies that can be customized to fit your specific needs. There are policies for different cars, family members, optional coverage, and driving records. The insurance policy’s purpose is to protect you financially and replace your property if you’re involved in an accident. You may need this coverage in case of theft, vandalism, or other damage to your property. It can even cover things like a temporary shelter in an emergency.
Ocean Harbor’s website also provides information on its products and services and a customer portal where customers can request quotes, learn more about their coverage, and find a local agent. Customers can also file claims directly through the website. The company also offers email and phone support to customers. And because the company is available on the Internet, policyholders can get an insurance quote quickly and easily.
Regarding insurance, one of the most critical considerations is price. Fortunately, the company offers affordable rates for both auto and home insurance policies. Customers can find quotes for both policies by entering their ZIP code.
Customer reviews
Many people have gotten a bad experience with their insurance policy from Ocean Harbor. While the company’s rates aren’t outrageous, it’s important to remember that you can’t just take their word for it. You should research their reputation using professional ratings to be sure you’re getting the best deal possible. For example, the Better Business Bureau has given the company an F rating and listed hundreds of complaints from past customers.
One of the first things you should check on any insurance company is its financial strength. While the AM Best financial strength rating for Ocean Harbor Insurance is not among the strongest, it shows that the company is a legitimate insurer that pays out claims in an accident. For most states, liability coverage is the minimum required by law, which is $15,000 per person for bodily injury and $10,000 for property damage. In Florida, you must carry at least $10,000 in property liability, and you can get personal injury protection if you are in a collision.
Fortunately, there are ways to lower your rate. One way to do this is by bundling auto insurance with home insurance. You can save a significant amount of money by bundling both insurance policies with Ocean Harbor. The company’s website allows you to enter your ZIP code and compare rates with other companies.
Reputation
The reputation of Ocean Harbor Insurance Company has not been in the best light in recent years. While the company has a solid financial position, the ratings are not rosy. Most review aggregator websites give the company a poor rating. Although they have fewer reviews than some of its competitors, its feedback is generally negative. At WalletHub and Clearsurance, for example, the average rating of Ocean Harbor is a dismal 1.0 out of five stars. Most reviews are negative, with many complaining about slow claims processing and customer service problems.
Although the company has an excellent financial standing, its customer service is subpar. Its agents are not always available or willing to explain issues clearly. For example, many policyholders complained of difficulties reaching their agents and claims being unpaid for months.