Cabrillo Coastal Insurance
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We're here when you need us - 24/7, 365 days a year. Any insurance company can offer residential property insurance to people living in coastal areas, but it's tougher to find one that's committed to excellent service and specializes in hurricane-exposed property. That's what sets us apart from other insurance providers.

Through sophisticated pricing techniques, quality and timely claims handling, careful reinsurance pricing, experienced underwriting and a friendly staff, Cabrillo Coastal provides the quality service and competitive pricing our customers deserve.When living in a coastal area, there are several potentially catastrophic events that can threaten your home, including hurricanes and tornadoes.

Our team has extensive experience helping you recover after these types of disasters. From getting an initial quote to completing a claim, our online platform is intuitive and stable. No login is needed to make a payment, report a new claim, or check the status of an existing claim. Simply stated, we go the distance.
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With our innate understanding of local marketplaces, and our commitment to exemplary service, we are well-equipped to help protect one of your most cherished investments: your home.
When living in a coastal area, there are several potentially catastrophic events that can threaten your home, including hurricanes, tornadoes, and violent thunderstorms.
Our team has extensive experience protecting against these types of unexpected disasters.
From getting an initial quote to completing a claim, our online platform is intuitive and stable.
A clear and reasonable explanation of our position will be given on all claims closed by denial.
We will communicate promptly with our customers and will respond to all telephone calls, letters and other correspondence in a timely manner to expedite the settlement of all claims.
We are here to help guide you through every step of the claims process.
After reporting a claim, you will hear back from one of our professional adjusters within 24 hours.
How long does it take?
Most claims can be settled in less than 30 days.
Take all steps necessary to protect you and your family.
If the authorities recommend evacuating, follow their instructions to ensure that you are safe.
If you must evacuate your home, please keep all receipts for expenses that are incurred during that time.
Take photos of all property damage, and take temporary steps to protect your property from further damage.
For example, you will want to cover exposed property with a tarp and keep receipts for any temporary repairs.
Please do not make permanent repairs until your adjuster has had a chance to inspect the damage.
Did you know?
Water damage is 7X more likely to occur than Fire or Theft.
Policyholders who use a water leak detection device in select states may be eligible for insurance premium discounts.*.
Flo by Moen offers a suite of smart home products to constantly monitor and protect your home from water damage and leaks.
Once the device is installed on your home's main water supply line, Flo sensors actively monitor water flow, pressure and temperature, and trigger alerts to your smartphone when it a leak is detected.
Thank you for handling the claim in an expeditious manner.
This has been by far the easiest household claim handling in almost 30 years of home ownership.
Safe Harbor was the first insurance carrier we represent to close out all of our claims (after Hurricane Matthew).
We had a total of 8 losses, until a newly reported loss today.
Furthermore, when we called in to get assistance, you exceeded expectations.
From my sales rep to underwriting, to even the CEO, everyone is always accessible, helpful and friendly.
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