Ocean Harbor Auto Insurance

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Company Details


200 E. Gaines Street

ZIP Code:
Phone Number:
Year Founded
AM Best Rating:
Company Rating 1.26 (39 reviews)

Things to Remember...
  • A.M. Best issued the company a “B” rating, which is a reduced grade based on the number of customer complaints
  • Ocean Harbor insurance is based in Florida
  • Ocean Harbor offers basic liability coverage to include personal liability coverage
  • You may be eligible for insurance discounts through Ocean Harbor by combining your life, health, and car insurance policies under one umbrella policy

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.

Ocean Harbor Auto Insurance Inclusions


Ocean Harbor offers basic liability coverage to include personal liability coverage, which is required in Florida even though it is a no-fault state.

This coverage will pay up to 80 percent 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 coverages are 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
  • Only a limited number of claims may be filed on behalf of family members of the policyholder
  • Rental reimbursement clauses have limitations
  • Collision and comprehensive insurance are not included with the standard policy for your vehicle
  • The policyholder does not receive reimbursement for these items if stereo equipment is damaged or stolen

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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 percent 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 over 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.

79 Reviews

  1. CARLY January 17, 2013
  2. William Erhart March 18, 2013
  3. Legal Still in Process May 4, 2013
  4. Sandra August 1, 2013
  5. Jerry Binkley Tallahassee,Fl August 30, 2013
  6. Lesli September 26, 2013
  7. Nate November 27, 2013
  8. perry lisanti December 11, 2013
  9. Tammy January 15, 2014
  10. Guy March 3, 2014
  11. Outraged daughter May 30, 2014
  12. Flexx June 4, 2014
  13. Michel Pringle July 20, 2014
  14. Michel Pringle July 20, 2014
  15. Michel Pringle September 2, 2014
  16. Diamond Touch Body Shop November 4, 2014
  17. Eugene Jemison December 23, 2014
  18. roselyn soto February 2, 2015
  19. Cathy February 6, 2015
  20. Jim February 17, 2015
  21. Jacqueline C. Valdes February 23, 2015
  22. Laura March 19, 2015
  23. Yakeisha May 21, 2015
  24. Zoquiesha Clark June 8, 2015
  25. Annoyed customer June 26, 2015
  26. AL July 22, 2015
  27. Melody Heipmann July 29, 2015
  28. C. Rodriguez August 2, 2015
  29. Tara Diaby August 17, 2015
  30. Lanie August 17, 2015
  31. joacine raymond August 25, 2015
  32. mary j September 10, 2015
  33. Upset One September 13, 2015
  34. Kyle September 22, 2015
  35. wahba October 1, 2015
  36. Buster October 10, 2015
  37. eddie October 31, 2015
  38. Kristin Hazelwood November 10, 2015
  39. eddie November 11, 2015
  40. eddie November 11, 2015
  41. Peanut November 16, 2015
  42. PISSED ANGELSCOTT November 17, 2015
  43. Diana Ramirez November 17, 2015
  44. Shanie November 17, 2015
  45. Edward Reyes December 3, 2015
  46. Jacqueline longmore December 8, 2015
  47. Leon December 10, 2015
  48. H De Raddo December 28, 2015
  49. Jacqueline longmore January 7, 2016
  50. Vicky February 16, 2016
  51. Gabriela Tirado February 16, 2016
  52. Gabriela Tirado February 16, 2016
  53. JOHN GALT March 15, 2016
  54. Will Bryant March 30, 2016
  55. Anonymous March 30, 2016
  56. kissmyass@aol.com April 18, 2016
  57. kissmyass@aol.com April 18, 2016
  58. Kedesha Jackson-Christian May 19, 2016
  59. Kedesha Jackson-Christian May 19, 2016
  60. Amanda June 10, 2016
  61. Mrs. Bethel June 29, 2016
  62. K. Andrews June 29, 2016
  63. Ihateocean habor August 29, 2016
  64. You kno hoo September 10, 2016
  65. Michelle Townsend October 25, 2016
  66. Michelle Townsend October 25, 2016
  67. STILL PISSED October 25, 2016
  68. john doe October 28, 2016
  69. Richard A Hartford December 2, 2016
  70. Carey December 29, 2016
  71. Christopher Oliveri February 12, 2017
  72. Stephen F Ailing February 22, 2017
  73. SGarret July 11, 2017
  74. monae lang September 1, 2017
  75. Garcia Fabiola October 10, 2017
  76. ChritinaLH November 15, 2017
  77. Geovanni January 4, 2018
  78. Franshesca February 10, 2018
  79. jackie August 31, 2018

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