Safe Harbor Insurance Review & Ratings (2022)

Safe Harbor Insurance is a small company that provides traditional and manufactured homeowners insurance in Florida and South Carolina. Safe Harbor Insurance reviews are mixed – some customers enjoy friendly agents and low prices while others say the company tries to get out of paying claims.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Mar 28, 2022

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The Rundown

  • Safe Harbor sells homeowners insurance in Florida and South Carolina for traditional and manufactured homes
  • You can file a claim and pay your bill online, but you’ll need to speak with an agent to get a quote
  • The Better Business Bureau gives Safe Harbor an A+, but customer reviews are mixed

Safe Harbor Insurance in Gainesville, Florida, aims to provide affordable homeowners insurance for traditional and manufactured homes. While it started in Florida, it has since expanded some of its plans to another state.

With hurricanes a significant risk in the southern coastal states, Safe Harbor promises coverage for extreme weather. However, the company recognizes that budgets are tight for many families. With Safe Harbor, you can purchase exactly as much coverage as you need without paying for what you don’t want.

Read on to determine if Safe Harbor Insurance is the right choice for your homeowners insurance needs. After you have the facts, compare quotes from other insurance companies to ensure you get the best price and coverage possible.

What is Safe Harbor Insurance?

Safe Harbor is a small homeowners insurance provider that sells products in Florida and South Carolina. While some insurance companies branch out and offer multiple insurance products, Safe Harbor focuses on protecting your home.

Though you buy and manage your policy through Safe Harbor, Cabrillo Coastal — another Florida insurance provider — administers your plan.

Safe Harbor offers insurance for traditional and manufactured homes, featuring multiple plans. All plans are available in Florida, but only a few are available to South Carolina residents.

Safe Harbor Homeowners Insurance

Safe Harbor has three plans for traditional homes: HO3, HO6, and DP3. You can buy any of these plans in Florida, but only the HO3 policy is available in South Carolina.

The HO3 plan is Safe Harbor’s traditional homeowners insurance. This plan covers everything on your property, except for items expressly excluded from your policy. While Safe Harbor doesn’t list details on its site, you can expect the following types of coverage:

  • Dwelling. Dwelling coverage protects the physical structure of your home, including the roof, walls, and foundation. It also covers freestanding structures on your property, such as garages, sheds, or fences.
  • Liability. The liability portion of your plan helps pay for legal bills if you’re responsible for someone getting injured on your property.
  • Personal property. A house by itself isn’t home. Your homeowners insurance will help you protect the things that make up your home, like furniture, clothes, and appliances.

Safe Harbor says that the HO3 plan protects from fire, lightning, wind, theft, and vandalism.

The second plan is for people owning condominium units. The HO6 is a named peril policy, meaning it will only cover what you add to the plan. While you risk financial loss from unexpected damage, it will save you money. HO6 is not available in South Carolina.

Finally, the DP3 plan is a dwelling fire policy. Designed for people who own homes they rent through companies like Airbnb, the DP3 plan lets you choose your coverage.

Residents of Florida can take advantage of the savings the DP3 plan offers, but South Carolinians cannot.

Safe Harbor Manufactured Home Insurance

Manufactured homes need similar coverage to traditional homes, but they also need coverage specific to their needs. Safe Harbor crafted two plans with manufactured homes in mind.

The first is the MHO3 plan, which acts as traditional homeowners insurance. It includes the same protection as the HO3 plan, including liability, dwelling, and personal property coverage. It also protects against fire, water damage, lightning, theft, wind, and vandalism.

The MHO3 plan’s dwelling protection is more limited than the HO3 plan, but it covers your manufactured home’s loss of use. Florida and South Carolina residents are eligible for this plan.

The final plan Safe Harbor offers is the MDP1, a basic insurance policy that covers a specific list of perils without the option to expand coverage later. Safe Harbor recommends this plan for people who need renters insurance, but the primary owner can also use it.

The MDP1 plan is only available in Florida.

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How much does Safe Harbor Insurance cost?

While you need to speak with a Safe Harbor insurance agent to get a quote, many customers say they are impressed with the rates. You might not be able to see how much Safe Harbor costs without speaking with an agent, but you can still get an idea of what you’ll pay.

According to Zillow, the average home in Florida is around $350,000, while South Carolina averages around $270,000. Manufactured homes cost about $150,000 in Florida and $100,000 in South Carolina.

Using those prices, you can estimate how much insurance costs for the average home in your state.

StateHomeowners insuranceManufactured homeowners insuranceRenters insurance
Florida$183$74$16
South Carolina$130$62$11
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Since customers are generally happy with their Safe Harbor insurance rates, you can expect to pay around the average for your state. However, several factors can affect your rates, including:

  • Location. South Carolina and Florida are incredibly vulnerable to hurricanes, and you can expect your insurance rates to increase the closer you live to the coast.
  • Age and value of your home. The more your home cost to buy, the more it will cost to insure. Older homes use more expensive materials in their construction, so repairs cost more, which also drives up the price of insurance.
  • Credit score. Insurance companies look at your credit score as your ability to make your monthly payments. The higher your score, the cheaper your insurance will be.
  • Condition of your home. Older systems or roofs are more likely to cause problems than new systems, which leads to insurance claims. On the other side, you can save money if you’ve recently made home upgrades.
  • Safety features. Insurance companies like seeing things like fire or burglar alarms that will keep your home safe. You can usually save money by increasing the security of your home.

This list isn’t comprehensive, but it does have some of the biggest aspects insurance companies look for when they determine your rate.

Safe Harbor Insurance Reviews

Safe Harbor is a smaller insurance company and, as such, has a small presence online. However, there are some reviews you can look at to see if this is the company for you.

First, Safe Harbor does not have professional ratings from companies like A.M. Best or the Better Business Bureau. However, the company that underwrites its policies does, and it gets good grades.

Cabrillo Coastal boasts an A+ from the BBB, though there are numerous customer complaints on the site. In good news for Safe Harbor, the complaints against Cabrillo aren’t policy-related. Instead, Cabrillo customers find their coverage dropped seemingly at random.

So, what do customers say in their Safe Harbor insurance reviews in Florida? People generally have mixed opinions of the company.

Satisfied customers are impressed with the level of customer support they receive, saying that Safe Harbor employees make them feel at ease during the insurance process. They also like that they can file a claim and make payments with a simple Safe Harbor Insurance login.

Most of the customer complaints are about the claims process, with some explaining that after years of paying Safe Harbor, the company refused to pay for damage covered by their policies.

Find the Best Homeowners Insurance for Your Needs

Whether you live in Florida or South Carolina, the danger of tropical storms, flooding, and hurricanes should give you extra incentive to protect one of your most significant investments. Depending on your needs, Safe Harbor might be the right provider for you.

Even if you’re ready to call a Safe Harbor Insurance agent to get a quote, you should still compare prices with other companies. You can find vastly different prices for insurance on the same home, and with the extreme weather risk of the southern coastal states, finding the right policy is critical.

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