Safe Harbor Insurance

Safe Harbor is a Tallahassee home insurer here since 2006, in the Ocean Harbor group. Cabrillo Coastal runs its home, condo, landlord and mobile home lines.

You can find it on our list of Florida home insurance companies. Its Florida company code is 03688 and its NAIC number is 12563.

Taking new policiesChecked Oct 19 Home, condo and landlord

Is Safe Harbor leaving Florida? No. Its site lists five Florida home policy types with no new business notice as of October 10, 2026, and Demotech affirmed its A rating on September 14, 2026. As of Oct 19, 2026. Source: safeharborflorida.com.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

78,437

Jul 31, 2026, OIR

Latest rate change

−3%

Condo, from Oct 15, 2025

Financial strength

A (Exceptional)

From Demotech, as of Oct 20, 2026

Complaints

0.37

NAIC index, 2025. 1.00 is average.

Cabrillo Coastal and Safe Harbor

Cabrillo Coastal is an agency in Florida. Some of the home policies it sells are from Safe Harbor. Safe Harbor is the insurer. As of Oct 20, 2026. Source: cabgen.com.

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 Safe Harbor renewal go up?

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

  • Keep Safe Harbor, switch your agent. You sign one form. Same company, same coverage, same price. Only your agent changes, to one who answers the phone.
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Or send a message

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

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What's changed recently

  1. Demotech affirms its A rating

    On September 14, 2026, Demotech affirmed Safe Harbor's rating. It is a Financial Stability Rating of A. Demotech calls that Exceptional. It lists reinsurance use at 40 to 50 percent of premium.

  2. OIR exam finds no significant issues

    OIR's financial exam as of December 31, 2023 reported no significant findings. Surplus was $32.3 million. Premiums earned in 2023 were $74.2 million. Net income was $8.0 million.

  3. 1.5% rate decrease approved, more filed

    OIR approved a 1.5 percent rate decrease for Safe Harbor. The company filed for an additional 11.5 percent decrease. This is per WESH reporting carried by InsuranceNewsNet. Line and effective date not stated.

  4. Gets the OK for a Citizens takeout

    OIR approved Safe Harbor to assume up to 10,592 personal residential policies from Citizens. No Safe Harbor takeouts appear on OIR's list for 2024 through July 2026.

See every Safe Harbor update

Rate history

Rate filing history: statewide average change per filingCondo: −3%, effective Oct 15, 2025 (approved)−3%CondoOct 15, 2025
Statewide average filed with OIR. Your renewal will differ.

Want your Safe Harbor renewal shopped?

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

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20 years in Florida

In Florida since 2006. Has paid claims through 10 hurricanes.

20062008201020122014201620182020202220242026 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 Safe Harbor side by side

Safe Harbor side by side with State Farm and Universal Property
Safe Harbor State Farm Universal Property
New policies Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026
Florida policies 78,437 Florida OIR, Jul 31, 2026 654,641 Florida OIR, Jul 31, 2026 594,182 Florida OIR, Jul 31, 2026
Latest rate change −3% Condo, from Oct 15, 2025 +0.8% Home, from Jan 15, 2026 −5.1% Home, from Oct 16, 2025
Complaint index 0.37 NAIC, 2025, nationwide, homeowners. 1.00 is average. 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average.
Financial rating A (Exceptional) Demotech, Oct 20, 2026 A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 2006 1934 1997

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  • American Integrity Taking new policies

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Questions people ask about Safe Harbor

Is Safe Harbor leaving Florida?No.

As of October 10, 2026 the company's site still sells five Florida policy types, with no notice about stopping new business. Demotech affirmed its A rating on September 14, 2026. In June 2024 OIR approved a 1.5 percent rate decrease, and the company filed for a further cut.

Source: Safe Harbor products page, read 2026-10-10; Demotech company page, read 2026-10-10

What is the Safe Harbor claims phone number?Call 866-482-5246 to report a claim.

The line is open 24 hours a day, 365 days a year. Claims are handled by Harbor Claims, LLC, the company's affiliated claims office in Gainesville. You can also report a claim online through the Cabrillo Coastal policyholder site.

Source: Safe Harbor home page and contact page, read 2026-10-10

Is Safe Harbor a good company?Public facts only: Demotech rates it A (Exceptional).

That was affirmed September 14, 2026. It has been licensed in Florida since 2006. OIR's financial exam as of December 31, 2023 reported no significant findings. It reported surplus of $32.3 million, above the $15 million minimum.

Source: OIR financial examination report dated 2025-06-17; Demotech company page, read 2026-10-10

Who owns Safe Harbor?RM Ocean Harbor Holding, Inc. owns 83 percent.

Two Blue Fin investment companies hold the rest. It is part of the Ocean Harbor Insurance Group, which also owns Ocean Harbor Casualty. Cabrillo Coastal General Insurance Agency does the day to day underwriting and billing. Claims go to Harbor Claims.

Source: OIR financial examination report as of 2023-12-31, dated 2025-06-17

Is Safe Harbor admitted in Florida?Yes.

Safe Harbor Insurance Company is a Florida domestic insurer. It was incorporated in 2006 and licensed by OIR the same year. Its NAIC code is 12563. Its home office is in Tallahassee. It is an admitted insurer that writes homeowners. So it is a member of the Florida Insurance Guaranty Association.

Source: OIR financial examination report as of 2023-12-31; FIGA membership page

Is Safe Harbor the same as Cabrillo Coastal?No.

Safe Harbor Insurance Company is the insurer that holds the risk. Cabrillo Coastal General Insurance Agency is its managing general agent. It handles underwriting and billing. It also collects premium. You may see the Cabrillo Coastal name on bills and the payment portal. But your policy is with Safe Harbor.

Source: OIR financial examination report dated 2025-06-17; Safe Harbor contact page, read 2026-10-10

Still deciding? Let us shop your Safe 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.

Safe Harbor reviews and complaints: what the public data shows

Safe Harbor rating

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

Complaints
0.37 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 2006 (20 years)
Regulatory actions
Not available

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