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Ocean Harbor Auto Insurance Review

  • 1.581.581.581.581.58
Address: 200 E. Gaines Street
City: Tallahassee
State: Florida
ZIP: 32399-6502
Phone Number: 954-587-2299
AM Best Rating: B+ (Good)
Market Cap: $20 to $50 Million
Year Founded: 1994

An Ocean Harbor Auto Insurance review finds that the auto insurance company is a subsidiary of Pearl Holding Group. Although there is a company with a similar name in New York, Ocean Harbor of Florida is said to represent the state exclusively. The company employs approximately 250 people.

Auto insurance rates are available for you right now, and all you need to do is enter your ZIP code in the box below.

J.A.J. Holding also has a stake in Ocean Harbor Casualty, and its Board includes the executives of Ocean Harbor, Jared and Jay Perlin. William E. Roche is the president of the Ocean Harbor office in Florida. A.M. Best issued the company a “B+” rating, which is a reduced grade based on the number of customer complaints.

Usually a grade reduction in an insurance company’s rating is related to finances rather than customer service. On the other hand, this is one of the categories that factor into the grade issued by the insurance rating organization.

Ocean Harbor Auto Insurance Inclusions

Ocean Harbor offers basic liability coverage to include personal liability coverage, which is required although Florida is a no-fault state. This coverage will pay up to 80% of the liability in the event of an accident where liability is obvious. The no-fault status means Ocean Harbor will pay the medical expenses of its subscriber.

Ocean Harbor products also include uninsured or underinsured motorist’s protection. Collision and comprehensive is optional if there is no lien against your vehicle. Most lien holders require collision and comprehensive if they finance the loan.

Ocean Harbor Auto Insurance Exclusions

There are some terms that indicate what Ocean Harbor will not pay, should the case arise. The company will not insure three wheeled vehicles that may be part of the household, or are not covered under the policy for instance. Only a limited number of claims may be filed on behalf of family members of the policyholder.

Rental reimbursement clauses have their limitations also. Collision and comprehensive insurance is not included with the standard policy for your vehicle. The insured vehicle may contain certain stereo equipment or other forms of electronics that may not covered in the policy at the time the claim is filed. The policyholder does not receive reimbursement for these items if damaged or stolen.

Ocean Harbor Auto Insurance Discounts

You may be eligible for insurance discounts through Ocean Harbor Insurance agents who are more than willing to assist you. One of the most common ways to save is by combining your life, health, and car insurance policies under one umbrella policy. Advanced payments will not only save you interest on your premiums, but it may also save on premiums as well.

Club discounts are popular with most insurers, and they will be happy to honor them. Your AARP or AAA membership may be worth a 10% discount on your payments. Some carriers are offering discounts if you go a certain length of time without filing a claim.

Ocean Harbor Auto Insurance Jobs

A career with Ocean Harbor is possible if you go through the proper channels. There is no online application, although contact information is available. There are several positions affiliated with the insurance industry. Some of those positions are:

  • Underwriter
  • Manager
  • Actuary
  • Claims Processor
  • Customer Service Representative
  • Agent

An insurance company is versatile enough that you could start with an entry-level position and work your way to a management position with proper training and education along the way. It’s not too difficult to become an auto insurance agent.

Many companies offer tuition reimbursement in exchange for a two-year commitment, for example. With the economy slowly rebounding, it is a possibility Ocean Harbor may be currently accepting applications. They may even offer discounted coverage as a company benefit.

Ocean Harbor Auto Insurance Reviews

Testimonials are usually offered on the company website. Complaint and fraud type websites allow people to report objective comments of their experiences. One complaint involved an Ocean Harbor subscriber who ran a car into the couple’s home. They were offered an amount that did not come close to the actual cost of repairs.

Ocean Harbor was issued a lower grade because of its lack of focus on customer service. The company supposedly received 42 complaints in a three-year period. Most of the complaints related to unpaid claims.  More than 15 complaints about Ocean Harbor Insurance claims were not addressed in a reasonable time frame. The company has since attempted to improve their record.

Ocean Harbor and other auto insurance quotes are available today with no more than your ZIP code to start the process. Simply type it into the box below.

Reviews for Ocean Harbor Auto Insurance

  1. CARLY says:

    THIS IS THE WORST CAR INSURANCE,MY EXPERIENCE WITH OCEAN HARBOR was traumatic and indescribable, totally deficient in service, ASISTENCI COOPERATION AT THE TIME OF ACCIDENT not recommend

    • 11111
    William Erhart says:

    The worst insurance company I ever dealt with. They do as little as possible to help. I have a claim against them and they have had me do all the work. The people are rude, if your lucky enough to have them answer the phone. They don’t return calls.

    • 11111
    Legal Still in Process says:

    For those of you thinking about working with these crooks let me tell you how they treat their customer. All comments below regarding avoidance and failure to respond are true. I was hit by a customer of Ocean Harbor. Ocean Harbor refused to respond and the customer openly acknowledged fault and was found at fault by the police. She was visibly shaken up and I tried to reassure her as they loaded me into the ambulance by letting her know it would be ok and our insurance companies could handle this. I finally had to call a lawyer even though I did not want to. After they investigated it became apparent that Ocean Harbor was trying to look for ways to drop the customer. If this happened we would go to court and the bills would go directly to the customer and this would potentially drive the single Mother into Chapter 11. So I turned to my insurance company, GEICO. These guys are AWESOME, I love them and will never leave them. They began the arduous task of trying to work with these people. After two months of avoidance the claim went to collections directed at the customer not Ocean Harbor. GEICO however is doing everything in their power to make sure I am taken care of even though I they will probably never be fully compensated for the loss. We (GEICO and myself) are going to both be out large sums of money because of this event, not to mention the fact that I am going on my third month of physical therapy, my credit is shot and I am now looking to any credit card company that will work with me.

    My point being not only is this company negatively impacting their customers and ripping them off but they are causing substantial cost and loss on other companies that do value their customers. As I research them further I am seeing countless reports like this. This leads me to believe that they are a huge drain on the local economy of the state they operate in. This sham of a company needs to be closed down for the good of all. The insured by Ocean Harbor are nothing more than mobile time bombs waiting to cause more financial drain on the economy. How anyone can operate an organization like this and sleep at night indicates a truly twisted and deranged individual.

    Run, Run Fast and Run Far

    • 11111
    Sandra says:

    This company is HORRIBLE. Their insured hit my truck. They towed my truck 2 hours & 20 minutes away (across the state)! You can leave a message but they never call you back. Even their supervisors don’t call you back. I have filed complaints with the Better Business Bureau & the Florida Department of Financial Services and ENCOURAGE EVERYONE ELSE TO DO THE SAME. They placed my Truck at an Insurance Auto Auction across the state, removed my plates from my truck and Ocean Harbor Insurance Company is listed as the Seller. This company should not be in business! I have retained an Attorney and again encourage you to do the same.

  2. Jerry Binkley Tallahassee,Fl says:

    They would get -5 stars if it were an option.My wife was the victim of a hit and run from one of their clients.She was very badly injured and some time in the hospital.They will not respond to any of my many messages left for the claims adjuster.They insure the undesirables and they are crooks so I guess they stay in their element.My only other option is to go to Sunrise,Fl in person.Maybe I can get something done then.

    • 11111
    Lesli says:

    This has to be the worst insurance company ever!!! I was hit by one of their customers in NC; the claims department has yelled at me, called me names & even hung up on me…..multiple times! I ask for a supervisor & get sent to a voice mail and never get a return call. I’m starting to think he isn’t a real person, just a “file 13″ for complaints. I was even more throughly disgusted when I found out they had made a liability decision WITHOUT my statement, just took the word of their customer, who had constantly lied to my insurance company about what really happened! And sent a demand letter to my insurance company, who already determined I wasn’t at fault. I was also told that since the policy was written in Florida, the laws there applied to the wreck that happened in NC….seriously?!?! I wouldn’t trust this company at all!!!!!

    • 11111
    Nate says:

    Negative stars. These guys are scum bags and need to be shut down! I’m dealing with the same BS. We all need to come together and put this company out of business. Write to the attorney general and Better Business Bureau. Even write to your local elected officials. Insurance is there for a reason and these guys are nothing but opportunist! I wonder what they talk about around the office. Probably the same level of conversation that those kids have that play that knockout game. SCUM BAGS!

    • 44444
    perry lisanti says:

    Very happy with the response of my claim. The adjustor came right out to look at a small accident I had, and was very nice and helpful. Check was sent in mail within ten days thank-you

  3. Tammy says:

    This ins company is the worst!!! There client hit me from the back dec.7,2013 it’s over a month now and still nothing they are giving me the run around!! Telling me one story to another!! It’s going on 2 months now!!! A car that can’t drive/ my shoulder have a small amount of fluid Plus there’s a abnormal high signal intensity in the distal supraspinatus tendon with a cuff tear I’m taking this company and there client to court/ went down to the district court in Miami and filed a small claim on them!!!

  4. Guy says:

    SHOCKING INSURANCE COMPANY ! Were is the Better Business Bureau ? This company is clearly ripping off good hard working people who are suffering because of their lack of concern for the well being of the people involved in these accidents with their costumers.
    Isn’t their some kind of bureau that keeps these kinds of company’s in line with a standard of care and costumer service all other insurance company’s ? I pay a lot to keep my Allstate insurance company so others don’t have to suffer like these poor people who are hoping that Ocean Harbor insurance Co.will do the right thing? :( sad!

    • 11111
    Outraged daughter says:

    My elderly parents’ car was rear-ended by one of their insured thre months ago and they still have not been able to communicate with anyone from the claims department. Their insurance company, Progressive has tried to contact them as well and finally got a response stating that they are still trying to determine fault! Seriously?! They were rear-ended and their insured got a ticket! The police report clearly states that their insured was at fault! My parents’ car has not been fixed and I’ve called and left messages at every number listed and I’m still waiting for a response! From reading these reviews I can’t believe they’re in business. Shame on them for taking advantage of so many hard working innocent people. Don’t they have a conscience?

    • 11111
    Flexx says:

    This is the worst insurance company I have ever in my life. They take forever to answer the phone and when the do the people are rude and they transfer you to answering machines when you ask for a supervisor. When you leave messages NO ONE ever never calls you back. I will be contacting Better Business Bureau and I intend on trying to contact the companies’ president…rating this company would be an insult. They should just close there doors of business.

  5. Michel Pringle says:

    Ocean Harbor Insurance Company is by far the most horrible, incompetent insurance company I have ever had the misfortune to come across.
    On July 11th 2014 at a complete stop at the red light, a 17-year-old girl driving a F250 truck slammed into the back of my tiny 2013 Toyota Corolla. I had just purchased the car four weeks prior and had not even made the first payment on my car. Upon reporting the accident to the Ocean Harbor claims, office I was told that she is not an authorized driver for the vehicle.
    I am insured client of Ocean Harbor but did not find out how incompetent and rude their entire staff is until my car was damaged and I had to report the accident.
    Their adjuster finally came to my house on July 18th and assessed the exterior damage to my car but didn’t even have the common courtesy to call me when he arrived to tell me he was outside. He doesn’t even know if there was any damage done to the computer in the car due to the hit the car sustained. It is now July 20th and I have yet to get any correspondence about getting my car repaired or even to give me a follow up call.
    I have only been with this company for five weeks and I can’t wait for my policy to expire in six months so that I can run as far away as I can from these awful, rude and incompetent people. They have absolute no compassion for their clients who have sustained significant damage to their vehicles.
    If anyone is thinking about signing up with this insurance company for coverage, please, please I beg you to run the other way.
    I am now seriously thinking about having my attorney contact their office because I cannot get my car repaired. The Better Business Bureau and the Commissioner of Insurance for the South Florida region should have them investigated and shut down.
    Michele Pringle,
    Coral Springs,

  6. Michel Pringle says:

    Oh.How could I forget…”0″ stars for me…Totally disgusted,disheartened and disappointed.
    I should also mention that no one was hurt as a result of the accident…thank the Lord.
    I can’t imagine how that would have worked out if myself, my mom or my brother had gotten hurt….
    Michele Pringle,
    Coral Springs,

  7. Michel Pringle says:

    Well…here’s an update…it is September 2nd and i finally got my car repaired since having my accident on July 11th,i’m now fighting with some company affiliated with Pearl Holding all the way in Michigan for re embursement of my car rental fees that i had to come up with for a rental car for over two weeks just to be able travel back and forth to work….Enterprise Car Rental charged me $25 per day plus $19 per day for insurance coverage,and even though i have full coverage including car rental on my policy Enterprise still refused to take my insurance.
    Only God knows when i’ll be able to get my money back which is almost $500.00, i’m just praying that it’s soon before i get an emotional breakdown from dealing with Ocean Harbor and Pearl Holding Group…both companies are nothing short of a nightmare to deal with.
    Michele Pringle.
    Coral Springs.

    • 11111
    Diamond Touch Body Shop says:


  8. Eugene Jemison says:

    Has to be the worst insurance company I’ve ever dealt with. They were rude, slow and hung up on me. I have been paying my money to this insurance company for 2 years now. My car was stolen over the weekend and when I called about having a loaner vehicle I was told by an adjuster, Gene Summer, that my policy did not cover stolen vehicles as far as a loaner went. I responded that I would definitely be switching insurance companies after this is done. The agent I talked to told me I should read my policy more carefully and not to call the office again.

  9. roselyn soto says:

    This company gets -0 stars. There client hit my 2014 Altima and this company doesn’t want to pay for original parts. they are trying to put after market parts on my brand new car. they suck for a company they don’t even have communication.

  10. Cathy says:

    The WORST ever! They even took out more money than they should from my automatic payment debit card info! They never answer the phone or call you back!…. In fact, it’s been weeks that they owe me my money back and I never even had a claim with them! Horrible!!!!!!

    • 11111
    Jim says:

    I called and delt with Robin and she was the rudest agent I have ever had the displeasure of encountering. She doesn’t answer the phone in a timely manner, didn’t know the answers to some basic insurance related questions and double talks(meaning she says one thing then denies saying it later). Avoid dealing with Ocean Harbor Insurance agency and check out Geico. They are Rude, WAY OVERPRICED and have bad staff that lack people skills.

    • 55555
    Jacqueline C. Valdes says:

    I with all due respect must disagree with these reviews. My car was involved in a collision on Friday, February 13, 2014 at 4:30 a.m., while my son was returning home from work when another driver pulled out in front of him and caused my son to hit a fence and a trailer home causing damages as well.

    I will say though the hours of operation are not what I expected. I had to wait until 9 to report an accident that occurred at 4:30 a.m. The Customer Service representative didn’t give me much information to go by as to the claim process and the coverage of the property damages, but nonetheless, 10 days later my vehicle is approved for repair and I am happy as can be. I will be taking my car for repair.

    I would want to make a suggestion, I though by reading all the negative reviews that I would experience the same thing, but honestly I didn’t. The adjusters for both collision and property claims are wonderful and courteous. I called and received return calls or emails is you elect. People, lets understand them too! You are not the only claim they are handling and if you put in your grain of rice, things will go as smooth as silk.

    Thank You Victoria and Migdalia for making this time easy, breezy and taking a tremendous load off my back. I can’t thank them enough.

    My car will be taken to the shop hopefully next week. I can’t wait to see my car back the way it was.

    Thanks girls… you have made my day a happy day!!!!!!!!

    • 11111
    Laura says:

    WORST COMPANY EVER!!! Dealing with them has been a nightmare. Everyone is rude and very unhelpful. I crashed my car a month ago. It took almost 2 weeks for someone to come out and look at my car. They wouldn’t give me any information on the damages until I mailed back the police report which I was told they would sent me a check for it if there was any charge which I never got. The guy who looked at the car didn’t put all the damages. At auto body shops it was estimated of $2,000 of the visible damage and it would be more once the car was taken apart. I was issued a check for $949.00. I received that three weeks after my accident. My car is in the shop to get fixed and he is also fighting with them because that is not enough to fix the damages. I called ocean harbor today to get some answers. Everyone was rude. I asked for a supervisor and I was transferred to voicemail I left a nasty message of course I didn’t receive a call back, I also called Peggy Powell my adjuster who is awful. She told me this wasn’t her problem that my car isn’t fixed yet. I told her someone was going to come look at my car today or tomorrow or she will hear from my lawyer and she said okay my name is Peggy make sure you give your claim number to your attorney. WORST SERVICE EVER. I contacted a lawyer to see if I have a case or if there is anything that can be done. Wish me luck!!!

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