US Coastal Insurance
US Coastal is a private home insurer near Gainesville. It was licensed in 2016. Cabrillo Coastal agents sell its home, condo and landlord policies. Demotech A.
You can find it on our list of Florida home insurance companies. Its Florida company code is 28792 and its NAIC number is 15900.
Taking new policiesChecked Oct 19 Home, condo, landlord and business
Is US Coastal leaving Florida? No. Its sites showed no new business stop or storm hold on October 10, 2026. Demotech affirmed its A rating September 14, 2026 and KBRA moved its outlook to stable September 5, 2025. As of Oct 19, 2026. Source: cabgen.com.
New policies
Taking new policies
As of Oct 19, 2026
Policies in force
49,258
Jul 31, 2026, OIR
Latest rate change
Not available
No rate change on file
Financial strength
A (Exceptional)
From Demotech, as of Oct 20, 2026
Complaints
2 complaints in 2025 (NAIC, nationwide)
NAIC, 2025, nationwide, homeowners
Near you
Cabrillo Coastal and US Coastal
Cabrillo Coastal is an agency in Florida. Some of the home policies it sells are from US Coastal. US Coastal is the insurer. As of Oct 20, 2026. Source: cabgen.com.
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What's changed recently
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On September 14, 2026, Demotech affirmed its rating for US Coastal. It is a Financial Stability Rating. The grade is A. Demotech calls that Exceptional.
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KBRA affirms BBB+ and moves outlook to stable
KBRA affirmed US Coastal's BBB+ insurer financial strength rating. It revised the outlook from negative to stable. It cited a stronger 2025 reinsurance program. It also cited an expected drop in quota share reliance.
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KBRA changes its outlook to negative
KBRA revised the outlook on US Coastal's BBB+ rating to negative on October 24, 2023. The rating had first been assigned on an unpublished basis on November 14, 2022.
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US Coastal Property & Casualty Insurance Company was set up January 19, 2016. It got its Florida certificate of authority February 23, 2016. It began to sell policies March 28, 2016. It did so from Jonesville, Florida.
Rate history
No rate filings tracked yet.
10 years in Florida
In Florida since 2016. Has paid claims through 10 hurricanes.
Compare US Coastal side by side
| US Coastal | 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 | 49,258 Florida OIR, Jul 31, 2026 | 654,641 Florida OIR, Jul 31, 2026 | 594,182 Florida OIR, Jul 31, 2026 |
| Latest rate change | Not available | +0.8% Home, from Jan 15, 2026 | −5.1% Home, from Oct 16, 2025 |
| Complaint index | 2 complaints in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, homeowners | 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 | 2016 | 1934 | 1997 |
People also compare with
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- Universal Property Taking new policies
Universal Property is a Fort Lauderdale company. It has insured Florida homes since 1997. It is now the second largest home insurer in Florida, sold by agents.
- Slide Taking new policies
Slide is a Tampa home insurer founded in 2021. It grew fast by taking on policies from Citizens, UPC, St. Johns and Farmers customers in Florida.
- Tower Hill Taking new policies
Tower Hill is a Gainesville insurer. It has covered Florida homes since 1972. New policies come from the Tower Hill Insurance Exchange. Its members own it.
- American Integrity Taking new policies
American Integrity is a Tampa home insurer started in 2006. Now the 5th largest home insurer in Florida, with 423,783 policies on July 31, 2026, per OIR.
Questions people ask about US Coastal
Is US Coastal leaving Florida?No.
US Coastal Property & Casualty is a Florida domestic insurer. Florida is its main market. Its sites showed no new business stop or storm hold on October 10, 2026. Demotech affirmed its A rating on September 14, 2026. KBRA revised its outlook from negative to stable on September 5, 2025.
What is the US Coastal claims phone number?Call 866-482-5246.
Claims are handled by Harbor Claims, LLC, 24 hours a day, 365 days a year. You can also report a claim online through the link on the US Coastal site. Claims mail goes to P.O. Box 357967, Gainesville, FL 32635-7967.
Source: US Coastal home and contact pages, read October 10, 2026
Who owns US Coastal Property & Casualty?USCPC Holdings, Inc. owns 100% of the insurer.
It is a private Delaware company. Cabrillo Holdings, LLC of Florida owns USCPC Holdings. An affiliate, Cabrillo Coastal General Insurance Agency, sells the policies. Harbor Claims, LLC handles claims. A sister company, US Coastal Insurance Company, sells in New York, New Jersey and Rhode Island.
Source: OIR financial examination report as of December 31, 2022
Is US Coastal admitted in Florida?Yes.
US Coastal Property & Casualty Insurance Company is a Florida domestic insurer. Its NAIC number is 15900. OIR gave it a license on February 23, 2016. It is an admitted home insurer. That means it is covered by the Florida Insurance Guaranty Association.
Source: OIR financial examination report as of December 31, 2022
Is US Coastal a good company?Public data only: Demotech affirmed its A (Exceptional) Financial Stability Rating on September 14, 2026, and KBRA rates it BBB+ with a stable outlook.
It has insured Florida homes since 2016. Demotech lists its reinsurance use at 60% to 70% of premium. OIR reported surplus of $26.1 million at the end of 2022.
Is US Coastal the same as Cabrillo Coastal?They are affiliates, not the same company.
US Coastal is the insurer. It is the one that issues the policy. Cabrillo Coastal is the managing general agency. It is the one that sells and services it. Harbor Claims, LLC adjusts claims. In California the insurer goes by Pacific Coastal Property and Casualty.
Source: US Coastal home page, read October 10, 2026; OIR exam report as of December 31, 2022
US Coastal reviews and complaints: what the public data shows
US Coastal rating
- Complaints
- 2 complaints in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
- Years in Florida
- Since 2016 (10 years)
- Regulatory actions
- Not available
No star ratings and no user reviews, only public data.