Ocean Harbor Insurance

Ocean Harbor is a Tallahassee car insurer in the Ocean Harbor Insurance Group. It sells car policies through Florida agents. Licensed in Florida since 1993.

You can find it on our list of Florida auto insurance companies. Its Florida company code is 02929 and its NAIC number is 12360.

Taking new policiesChecked Oct 19 Auto

Is Ocean Harbor leaving Florida? No. It sells car insurance through Florida agents and has been licensed here since 1993. As of Oct 19, 2026. Source: oceanharbor-ins.com.

By , updated

Did your Ocean Harbor renewal go up?

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

Not available

No count on file

Latest rate change

Not available

No rate change on file

Financial strength

A (Exceptional)

From Demotech, as of Oct 20, 2026

Complaints

2.11

NAIC index, 2025. 1.00 is average.

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

Did your Ocean Harbor renewal go up?

You have two choices. One 5 minute call covers both.

  • Keep Ocean Harbor, switch your agent. You sign one form. Same company, same coverage, same price. Only your agent changes, to one who answers the phone.
  • Shop it. Your new agent checks 80+ companies at every renewal.
Talk to a licensed agent (727) 997-5999

Or send a message

Before you call, see the Florida home insurance renewal checklist.

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What's changed recently

  1. OIR puts out a final market regulation report on the firm

    Florida's OIR issued a final market regulation report on Ocean Harbor. It is dated May 14, 2024.

  2. Florida financial exam as of year end 2023

    Florida's OIR examined Ocean Harbor's finances. The exam was as of December 31, 2023.

  3. OIR posts a market regulation filing on the firm

    Florida's OIR posted a market regulation document on Ocean Harbor. It is dated April 25, 2019.

See every Ocean Harbor update

Rate history

No rate filings tracked yet.

Want your Ocean Harbor renewal shopped?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

33 years in Florida

In Florida since 1993. Has paid claims through 21 hurricanes.

1995200020052010201520202025 Erin (1995 , Category 2 at Florida landfall) Erin Cat 2 Opal (1995 , Category 3 at Florida landfall) Opal Cat 3 Earl (1998 , Category 1 at Florida landfall) Earl Cat 1 Georges (1998 , Category 2 at Florida landfall) Georges Cat 2 Irene (1999 , Category 1 at Florida landfall) Irene Cat 1 Charley (2004 , Category 4 at Florida landfall) Charley Cat 4 Frances (2004 , Category 2 at Florida landfall) Frances Cat 2 Ivan (2004 ) Ivan Jeanne (2004 , Category 3 at Florida landfall) Jeanne Cat 3 Dennis (2005 , Category 3 at Florida landfall) Dennis Cat 3 Wilma (2005 , Category 3 at Florida landfall) Wilma Cat 3 Matthew (2016 ) Matthew Irma (2017 , Category 4 at Florida landfall) Irma Cat 4 Michael (2018 , Category 5 at Florida landfall) Michael Cat 5 Ian (2022 , Category 4 at Florida landfall) Ian Cat 4 Nicole (2022 , Category 1 at Florida landfall) Nicole Cat 1 Idalia (2023 , Category 3 at Florida landfall) Idalia Cat 3 Debby (2024 , Category 1 at Florida landfall) Debby Cat 1 Helene (2024 , Category 4 at Florida landfall) Helene Cat 4 Milton (2024 , Category 3 at Florida landfall) Milton Cat 3 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare Ocean Harbor side by side

Ocean Harbor side by side with State Farm and USAA
Ocean Harbor State Farm USAA
New policies Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026 Taking some new policies Checked Oct 19, 2026
Florida policies Not available 654,641 Florida OIR, Jul 31, 2026 338,547 Florida OIR, Jul 31, 2026
Latest rate change Not available +0.8% Home, from Jan 15, 2026 Not available
Complaint index 2.11 NAIC, 2025, nationwide, private passenger auto. 1.00 is average. 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 0.83 NAIC, 2025, nationwide, private passenger auto. 1.00 is average.
Financial rating A (Exceptional) Demotech, Oct 20, 2026 A- (Excellent) AM Best A++ (Superior) AM Best
In Florida since 1993 1934 1958

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Questions people ask about Ocean Harbor

What is the Ocean Harbor claims phone number?For Florida auto claims, call Pearl Holding Group at 954-587-2299, extension 203, by phone only.

Ocean Harbor's site lists Pearl Holding Group as its Florida auto claims office.

Source: Ocean Harbor claims page, read Oct 10, 2026

Is Ocean Harbor a good company?Public data only: Demotech rates Ocean Harbor Casualty A (Exceptional), affirmed Sept 14, 2026.

It has been licensed in Florida since 1993. OIR examines its books as its home state regulator.

Source: Demotech company page, read Oct 10, 2026

Is Ocean Harbor admitted in Florida?Yes.

OIR lists Ocean Harbor Casualty Insurance Company with a Florida certificate of authority since Sept 30, 1993. Its NAIC code is 12360 and its OIR code is 02929. It is based in Tallahassee.

Source: OIR company search, read Oct 10, 2026

Still deciding? Let us shop your Ocean Harbor renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

Ocean Harbor reviews and complaints: what the public data shows

Ocean Harbor rating

A (Exceptional) from Demotech, as of Oct 20, 2026.

Complaints
2.11 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, private passenger auto. As of Oct 16, 2026.
Years in Florida
Since 1993 (33 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.