[richie11795]

Has anyone heard of Safe Harbor Insurance company?
They seem to be the least expensive for similar coverage.
Thanks for any input.

[jebartle]

Originally Posted by richie11795

Has anyone heard of Safe Harbor Insurance company?
They seem to be the least expensive for similar coverage.
Thanks for any input.

our quote with Viceroy is half premium we paid for Tower Hill, and Hurricane deductible is 2% instead of 5%, snd the coverage for dwelling increased by 100,000, the rest of quote was apples to apples

[richie11795]

Originally Posted by jebartle

our quote with Viceroy is half premium we paid for Tower Hill, and Hurricane deductible is 2% instead of 5%, snd the coverage for dwelling increased by 100,000, the rest of quote was apples to apples

thanks

[McGyver9]

Who do you get viceroy through?

[Babubhat]

Via phone. Per article

…Viceroy was formed with 500,000 shares of common stock, with Monarch holding 90,000 of those shares. Hale Partnership Capital Management will hold another 10,000 shares, the consent order notes.

Hale Partnership, a hedge fund based in Charlotte, is led by Steven Hale, who became president of Monarch National in 2022 when his investment fund pumped $15 million into Monarch. Monarch was a subsidiary of FedNat, which went through restructuring that year and eventually was deemed insolvent. FedNat was liquidated in September 2022, becoming one of a dozen Florida insurers to go under during the worst of the Florida property insurance litigation crisis.

Hale Partnership became the majority owner of Monarch in May 2022, and Monarch assumed about 83,000 of FedNat’s Florida policies.

[GaryJPalys]

Originally Posted by richie11795

Has anyone heard of Safe Harbor Insurance company?
They seem to be the least expensive for similar coverage.
Thanks for any input.

Have you been able to make sense of the responses yet?

[Sparky99]

USAA all the way!

[Haggar]

Originally Posted by richie11795

Has anyone heard of Safe Harbor Insurance company?
They seem to be the least expensive for similar coverage.
Thanks for any input.

Safe Harbor Insurance Company holds a Financial Strength Rating (FSR) of B (Fair) and a Long-Term Issuer Credit Rating (ICR) of "bb" from AM Best, historically rated as a subsidiary of Ocean Harbor Insurance Group.
• Financial Strength Rating (FSR): B (Fair)
• Issuer Credit Rating (ICR): "bb" (Fair)
• Alternative Rating: Safe Harbor also maintains a Financial Stability Rating® (FSR) of A (Exceptional) from Demotech, Inc..
Would you like information on Safe Harbor's coverage types, how to file a claim, or alternative insurers in your area?
•
AM Best
Assigns Ratings to Safe Harbor Insurance Company - AM Best News
A.M. Best Co. has upgraded the financial strength rating (FSR) to B+ (Good) from B (Fair) and issuer credit ratings (ICR) to "bbb-
Show all
AI responses may include mistakes. For financial advice, consult a professional. Learn more

I wouldn't go with a company without a "A" rating.

[Haggar]

Originally Posted by richie11795

Has anyone heard of Safe Harbor Insurance company?
They seem to be the least expensive for similar coverage.
Thanks for any input.

In fairness found this rating also:

Safe Harbor Insurance Company holds a Financial Stability Rating® (FSR) of A (Exceptional) from Demotech, Inc., which was most recently affirmed in September 2026.

Financial and Industry Ratings

• Demotech FSR: A (Exceptional)
• Weiss Ratings: Assessed with an adequate reserve strength score of 6.0/10, profitability index of 6.1/10, and liquidity score of 8.2/10.
• Parent Group: Part of the Ocean Harbor Insurance Group.

Customer and Public Reviews

• Clearsurance: Average score of 2.02 to 2.3 stars out of 5 based on customer reviews, with mixed feedback regarding customer service and claims experiences.
• Operations: Administered by Cabrillo Coastal General Insurance Agency, offering property and homeowners coverage in Florida and other states.
Would you like information on types of policies offered by Safe Harbor (such as HO3 or HO6), or do you need help comparing other Florida property insurers?
•
Safe Harbor Insurance Company
Safe Harbor Insurance Company - Home
Overview: Safe Harbor Insurance Company is a Florida-domiciled property insurer founded by industry experts with 150+ years of com...
•
Demotech
Demotech Affirms the Financial Stability Rating® Assigned to Safe Harbor Insurance Company - Demotech
Rating: Demotech affirmed Safe Harbor Insurance Company's Financial Stability Rating (FSR) of A, Exceptional, indicating exception...
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AI responses may include mistakes. For financial advice, consult a professional. Learn more

Which is right?

[mrf6969]

Travelers for 20 years now. 2% hurricane, 10% sinkhole, $2500. deductible, $2100 annual Premium. Hard to beat for LARGE Insurance company that one will have confidence in if you have a claim.

[JRcorvette]

Be very careful with HO insurance. You might save a few dollars and loose everything if they go belly up. Stick with names you know and have hear of.

[OrangeBlossomBaby]

Originally Posted by JRcorvette

Be very careful with HO insurance. You might save a few dollars and loose everything if they go belly up. Stick with names you know and have hear of.

Florida has insurance companies that I'd never heard of, until I moved to Florida. And Florida doesn't have insurance companies available that I was most familiar with back up north.

Don't ONLY stick with names you know and have heard of. I'm not familiar with most of the companies named in this thread so far. I know Nationwide, Progressive, Allstate, Farmer's, Geiko, etc. etc. National names. We have our manufactured home policy through a company that I'd never heard of before moving here, but happens to be only one of two companies that will insure manufactured homes in this area at all. I'd never heard of the other one either.