Ocean Harbor Casualty Insurance Company, founded in 1986, is a home and auto insurer focused on business in the Northeast, Southeast, Mid Atlantic and Gulf states. Our focus is on offering coverage in areas where there is a need, such as coastal areas where major carriers are reducing their exposure. Ocean Harbor is rated A' (A Prime) by Demotech, Inc. and rated B by A.M. Best Company, and is a member of the Ocean Harbor Insurance Group.
The Ocean Harbor Insurance Group consists of five insurance companies, writing mainly homeowners and automobile business. The group, which actively does business in more than a dozen states, writes over $300 million of combined premium and is a top 100 writer of homeowners business in the United States. Our property business is primarily in Hawaii, Florida, New York, the Midwest and Pacific Northwest, with a small yet growing book of business in South Carolina, Texas and Mississippi.
Our automobile business remains dominated by Florida with smaller books of business in other states.
The Ocean Harbor Insurance Group consists of five insurance companies, writing mainly homeowners and automobile business. The group, which actively does business in more than a dozen states, writes over $300 million of combined premium and is a top 100 writer of homeowners business in the United States. Our property business is primarily in Hawaii, Florida, New York, the Midwest and Pacific Northwest, with a small yet growing book of business in South Carolina, Texas and Mississippi.
Our automobile business remains dominated by Florida with smaller books of business in other states.
Services
The Homeowners (HO3) policy is referred to as an all perils policy, covering your home and personal property from perils such as fire, lightning, theft and wind.
It also includes coverage for your personal property and other structures associated with your home, as well as temporary provisions when your home is not livable.
Personal liability and medical payments to others are also included.
Ask your insurance representative about any other optional coverages you may want.
Carefully read the policy to determine what is covered and what is not, as well as your responsibilities in the event of a loss.
It also includes coverage for your personal property and other structures associated with your home, as well as temporary provisions when your home is not livable.
Personal liability and medical payments to others are also included.
Ask your insurance representative about any other optional coverages you may want.
Carefully read the policy to determine what is covered and what is not, as well as your responsibilities in the event of a loss.
This covers your legal liability for bodily injury to others (Bodily Injury Liability) or damage to their property (Property Damage Liability).
Most states require you to have Property Damage Liability coverage.
The principal exclusions (items not covered by your policy) for this coverage are: (1) autos owned by you or furnished or available for the regular use of you or your resident relatives, which have not been specifically covered under the policy, (2) vehicles with less than 4 wheels, and (3) claims for injuries to family members.
Most states require you to have Property Damage Liability coverage.
The principal exclusions (items not covered by your policy) for this coverage are: (1) autos owned by you or furnished or available for the regular use of you or your resident relatives, which have not been specifically covered under the policy, (2) vehicles with less than 4 wheels, and (3) claims for injuries to family members.
Generally, Homeowner insurance covers damage from incidents such as fire, theft, and vandalism to your house, other structures like a garage or shed, and your personal belongings.
It covers living expenses if your house becomes temporarily unusable, and liability in case you or a member of your household injures someone or damages their property.
Most homeowner policies provide coverage that does not apply to animals, birds, fish, automobiles and business property; for loss or damage caused by flood, surface water, water which backs up through sewers or drains, earth movement, nuclear war, etc.
It covers living expenses if your house becomes temporarily unusable, and liability in case you or a member of your household injures someone or damages their property.
Most homeowner policies provide coverage that does not apply to animals, birds, fish, automobiles and business property; for loss or damage caused by flood, surface water, water which backs up through sewers or drains, earth movement, nuclear war, etc.
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