Worst company ever I filed a claim With them since one of their customers rear ended my wife in her car it's been over two weeks and I have not heard from them and it's not like you can reach them after. I'm adding three stars because they finished fixing my car after the fact finally. read more

Unprofessional. We were paying for what we thought was full coverage had the policy book that stated we were paying full coverage only to find out they lied to us and put us into the lowest coverage. Word of advice research car insurance in the state you live in because Florida states auto insurance requirments was last updated in 1979. A new bill which recently passed will get rid of PIP Personal Injury Protection and require read more

I put in a claim March 26, 2026 and still havent heard from them to this day!!!! My claim adjuster name is Christine Labos. I haven't heard from her at all. I emailed her twice and called the company numerous of times and be on hold forever until they hang me up!! Im so upset. I do not recommend this company. If anyone no how to reach a manager or someone that can help me!! I'm about to lawyer up!!! loretta.mercy@gmail.com read more

They are definitely running a scheme. The at fault driver hit me going through a red light Nov. 1st. I called them for two weeks straight for an update and Catalina called back once the two weeks were up to let me know the at fault cancelled the policy on Oct29th and she's sending the denial letter. It's all a scheme. Before she couldn't get ahold of them, now they cancelled their policy, nothing is right about this company. read more

If I could give 0 stars I would. They don't return calls. If you call them, prepare to be on hold for 2-6 hours. They say they don't want to pay my claim because their insured hasn't reported the accident even though he gave me his info. Absolutely terrible company. read more

They need to fo better, the customer service is not informing and it's hard to get hold of them, all I need is a car rental and no one i talk to could not help me ... so disappointed.. and I'm still waiting for my call.. SMH... read more

Very disappointed with my experience. It took two months to receive my payout, and the process was frustrating and slow. Would not recommend. read more

Literally the worst customer service possible. Takes hours to get people on the phone, they do not want to help, they do not express good customer service in any way shape or form read more

The insurance company sent out a check for parts and repair of our vehicle that is lower than what the collision centre provided estimate. Check was not cashed and no form from the insurance company was signed because this was for the incorrect amount. Since February 5 to March 14, I have yet to receive a callback or email response from the adjuster Kenya Joseph, kjoseph@pearlholding.com. This company appears to intentionally drag their feet for handling claims to see if I just cash the incorrect check and they save some money. Very poor company that I would not recommend as an insurance company. read more

I had a small accident with a person whom I rear-ended, who is insured with Ocean Harbor. When I called Ocean Harbor to make the claim, Myriam Estepa, extension 2744, informed me that their client had opened the insurance that same day and that the case needed further review. Two months later, I called Myriam Estepa again at extension 2744, and she told me the case was still under investigation. I asked her to explain what the problem was and she said they would not fix my car, that if I wanted my car fixed, I should contact my insurance. This person lacks professionalism and ethics, having told me lies on several occasions. Myriam Estepa, extension 2744, the place where you work should be closed down. What you do is illegal. You should feel ashamed every time you receive payment from the company you work for. I hope you never experience what happened to me. I thank God my situation was not serious. An uninsured person is likely to be more responsible than this insurer, Ocean Harbor. I do not know why they do not allow zero stars. read more

The worst company you can use for your insurance. look for other options. Ocean Harbor Casualty Insurance company, they just robbed us after being with them for 4 years. I was looking for the best price to add my daughters, I found that progessive was giving me a better price and I decided to change. But what they never told me was that by canceling my policy they were going to steal a month's pay. This is amazing how they take advantage of honest people. Please do not use this company as they are thieves. Find another one that doesn't steal. La peor compania que usted puede utilizar para su seguro. busque otras opciones. Ocean Harbor Casuality Insurance company, ellos nos acaban de robar despues de estar con ellos 4 años. Estaba buscando el mejor precio para agregar a mis hijas, encontre que progessive me estaba dando mejor precio y decidi cambiarme. Pero lo que ellos nunca me digeron que por cancelar mi poliza me iban a robar un mes de pago. esto es asurdo de como se aprovechan de las personas honradas. Porfavor no utilicen a esta compañia ya que son unos ladrones. Busque otro que no roben. read more

If you even thinking about getting a policy for any reason from this company think again an go some where else. RUN THE OTHER WAY. I don't know why the Louisiana insurance commissioner has not ran them out of the state yet due to the way they have done the citizen of this state. I blame that office as well for knowing allowing this company to take advantage of customers, denying claims, writing bad policies, and delaying the claim process to happen. They are awful. I been fighting for 4 years to collect on a home owners claim since Hurricane Ida. I can see if I didn't have insurance but I did. They refuse to pay interest for the past 4 years, plus they want me to pay for all the legal fees for the attorneys and court cost. What the heck. Mind you the cost of construction supplies has increased in the last four years but they want consider and adjustment. I guess that will hurt there bottom line. Not enough revenue for the year. They need a couple more billion and a few more suckers to buy polices. The company with all the capital but want the little person to absorb all the fees. The game is nothing but a way to wear you down and still the land. TAKE YOUR DOLLARS SOME WHERE ELSE. read more

Not good at all. Got hit by one of their "insured" and can not get through to them. I waited on hold for an hour and a half (only to get cut off) , sent multiple emails and I still can't talk to anyone. I was stopped in traffic, he hit me and now they don't answer the phone. So unprofessional. read more

Absolutely no communication or correspondence. This plans just flat out ignores all emails and phone calls.

I give them honestly a zero, the customer service is terrible, the process in how they cover their drivers makes it almost impossible to recover forcing you to file with your insurance. In fact, that's what their claims adjuster advised me to do. I'm going to look into filing a class action lawsuit. They suck!!! read more

Estafa, no responden por lo que ofrecen, no responden emails ni llamadas. Tengo un caso desde el 07 de diciembre de 2023, el carro ingresó al body shop el 18 de febrero de 2024 y hasta hoy sigo sin carro. El body shop afirma que el carro está listo hace 1 mes y la aseguradora Ocean Harbor de Pearl Holding group no quiere pagar. Por favor no compren ningun tipo de servicios con esta compañía es muy seguro que pierdan su dinero y hasta el auto. read more

they are cheaters and have long and cumbersive procedures. they don't care about paying and want to use people's medicare insurance to pay for personal injuries and clinic costs. read more

ZERO STARS. One of their policy holders crashed me head on. This is her insurance. was on hold for 2.5 hours just to be told we can take your information but we can't help you because our systems are down. Try to call back in 72 hours. I spoke with 2 "claims" people and a supervisor and all of them had a variation of the system down story. one guy said it's been down for wks. the other guy said it's just routine maintenance and should be back online in 72 hrs and the supervisor says he can take my information and put it in a spreadsheet for now until their systems are back up in 24-72 hours. I hope my lawyer sues the brakes off these b's. My car is totaled thanks to their driver and it looks like its going to be a hell of a fight for me to get anything from this company read more

One of their insured hit me on April 29, 2022. Here we are June 10, 2022 and all I've gotten is the runaround. No response to phone calls from adjuster nor 2 requested supervisors. Only two emails responded to in 6 weeks! They were not clear so I STILL need to talk to someone. Talk about ridiculous!! I know to never use them and at this point, I'm ready to hire an attorney. read more

Scammers!!! Save yourself the trouble and choose a reputable insurance company... you'll thank yourself when you get involved in a collision! You really have to run after these people for days and make numerous calls and they won't even provide you with a rental... this guy Dvonta Jackson a supposed adjuster calls me 2 days after I file a claim that I should take my car out of the body shop because my claim in under review! Which is technically illegal... they say they're not going to pay for my rental even though initially they say said they will reimburse me. He makes me repeat what happened during the accident for the 10th times even though there's a police report (he says that police report doesn't prove anything!) the whole company is a clown show! read more

Worst service ever!!! One of their customers hit me over a week ago. Not once have they communicated with me or my insurance company even though we have left multiple messages. Any time you try to call an agent or supervisor it goes straight to voice mail. The best advice I can give you is to hire an Attorney immediately if you are involved in a colisión with one of its clients!!! I can not overstate this enough. Update: I have filed a complaint with BBB ( they have a D- rating to no surprise) Also dile a complaint with the California department of insurance. I highly recommend everyone who has a problem with them do this. read more

I had the unfortunate experience dealing with this company. My car was totaled by a person who had this insurance. It took about 5 weeks to get paid. At first I went 2 weeks without a returned phone calls. At the end when I spoke to a manager they began to return my calls. Overall this was a real hassle and I don't feel that they were professional at all. I don't feel that they even knew what they were doing. When I finally got to speak to them they were fairly kind but they messed everything up including the address on my check and the letter that they sent it in. I got the check finally but I hope that I never have to deal with this company again. read more

My car was totaled by someone who has Ocean Harbor Insurance. Several weeks have gone by and still haven't seen one penny, in spite of the fact the accident was 100% the other driver's fault. My heart goes out to anyone who finds themselves in my situation. read more

La peor compania de seguro que existe, cancele con ellos y cogi una poliza nueva y no me devolvieron el dinero del mes que habia pagado porq dicen q tenia una penalidad por irme del seguro. Horrible no los recomiendo para nada. read more

Worst insurance ever. No customer service. Claims just shy of impossible to file. Customer service means a lot. I'll pay a little more to get what I need. On a scale from 1-10. .01 Buyer Beware read more

These people should be thrown in jail and fined 100's of millions of dollars as far as I am concerned. I was rear ended hit from the rear while I was stopped for traffic. They took forever to collect data on the claim and when I double checked and made sure all the information was available to everyone. They then claimed that their computers went down and there was nothing they could do about the claim, about getting me a rental car since I wasn't sure my car was safe to drive, about fixing my car, or anything. Their computers have now been down for two more weeks. They have no idea when they are getting fixed and cannot do anything for me until they are up and running again. They could have easily given me a list of body shops to go to and car rental places since my car might not be safe to drive, and they did absolutely NOTHING. How DEMOTECH could rate this company an A while the BBB rates them a D as well as other poor ratings from other companies astounds me. The fact that this company has done nothing for me for 3 weeks and don't seem to care about anything for people who were hit by their clients is unforgivable. If you use this company, you are asking for huge problems like computer systems going down for weeks and they won't do anything for you even though they know it's their clients full fault. Unbelievable insurance companies are allowed to act this way. They should NOT be in business. read more

Moms car got hit by a bus that didn't stop at a stop sign been three weeks it's hard to get in touch with anyone and they are not even tryna help her fix the damaged part of her car by far the worst insurance company anyone can have read more

I was involved in a car accident the other party insurance said my car was totalled but my insurance company Ocean Harbour said it's not after letting my car sit for over a month without being inspected. Total horrific experience I'm going through. Please the cheap insurance is a setup. Worse insurance company I've Ever had!! Please listen to all the reviews and save yourself a heartache. read more

Trash insurance. When you actually need them, they are nowhere to be found. You're better off having the security of a bigger insurance company. read more

If I could choose to not mark any stars, I would have. My local Farm Bureau Agent wrote a contract for my home through this worthless company, and we are not able to make contact with anyone to discuss the claim for hurricane damage. Instead of a check, we received notice of cancellation as we are not going to send any premium to someone who does not fulfill their part of the contract. We can't even contact anyone to make a payment even if we were foolish enough to want to continue coverage with them. I recommend contacting your State Insurance Commissioner and the local BBB, and don't be afraid to lawyer up. Maybe we can shut these people down permanently. They are thieves preying on innocent people. read more

One star is wayyyyyy too much!! STAY AWAY FROM OCEAN HARBOR INSURANCE AT ALL COSTS. Honestly, even if they offer you a policy FOR FREE, run away. I got into an accident, minor one, claim was filed and no one has contacted me, even AFTER they said they would. ( 2 people told me they would call- one person was the guy that hit my car after he filed the claim and another was from a different company that "worked with them" ) Called and called, they machine says "you reached us during peak hours... call back after 4." IT SAYS THAT ALL DAY. I have called over 30 times a day, for 3 days straight. I am convinced this is a scam and this company does not even exist. How are you at peak hours, all day, every day?? Either everyone working there is incompetent or it is an empty office and the people insured by this company and being scammed out of their money. NO OTHER OPTION. The BBB should shut down this company and Ocean harbor should be liable for their actions. They are stealing money for bogus insurance. THIS CAN NOT BE CONSIDERED A REAL COMPANY. They just have a phone line with an answering machine, in an empty room with no one competent enough to pick it up. Ocean Harbor should be shut down immediately. This is not only fraudulent, but because someone that has their policy hit my car and they are not picking up the phone, i will be forced to sue the guy for my damages. THAT SUCKS for the policy holder. DO NOT GET THIS INSURANCE. read more

You have to realize that it's possible you will rely on your insurance. These people will not assist you . They will drag you for months before any payment is made on your vehicle. they will ignore you. They will forget you. I don't care if you can or cannot afford insurance. What you cannot afford is to be an accident. Without any type of reimbursement or assistance from the people. Of which you've paid to help you If a tragedy occurs. Don't deal with these people. You will regret it read more

If you need insurance don't go here. Take the bus ride a bike hop where you need to go these people are a joke and screw people over and have no remorse when they do. They lie and make the issues seem like it's your fault l. These people are crooks don't I REPEAT DONT GIVE THEM YOUR MONEY EVER!!!!!!! read more

One of Ocean Harbor's "insured" customers rear ended my wife's Equinox on November 10, 2019. I filed a claim with AFA Claim Services the next day. Sent them all the paperwork and an estimate from a local body-shop that they requested. Waited ,but never got a reply. Called and emailed them and get no response. The Damage to the Equinox was not major it should have been settled quick. I will probably now get my Insurance company involved and see what they can do with working with this worthless company. read more

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BEWARE! To be avoided at all cost. Might save a dime on rates, but definitely not worth it. Shit for customer service, will give you the run around trying to explain how there unscrupulous fraudulent practices or simple your fault. Also anyone you get on the line will be extremely rude. More people need to report these turds to the b.b.b. read more

Bad costumer services. Pls avoid at all cost. All representatives treat you rude. They hung up the phone on you. It takes forever to add a new vehicle to you policy. They lie to you. read more

This company is the worst kind of operation, with a culture of unscrupulousness, evasiveness, and just generally being bastards. I was rear-ended by one of their insured two-and-a-half months ago, and today finally received their prorated offer, which is less than 1/3 of what it will actually cost to fix my car. Calling them on the phone is a waste of time -- there is an obligatory 20-minute hold time with the most maddening music set on a 15-second loop. If you do get a hold of someone they either play dumb or are dumb, but almost always give you crazy misinformation to placate you. Dealing with them as a claimant is lowering to human dignity, so I couldn't imagine the horrors of working there or being a customer of theirs. They have a truly messed up way of conducting business, and I really hope their owners get thrown to the wolves in federal prison. Soon. read more

Worst insurance company in Florida claim to policy everything is terrible and unprofessional about this insurance

The worst company ever. They don't answer your calls and when they do they are either rude or simply hang up on you. They charge my account even though I canceled my insurance with them. The worse company ever. Don't use them. read more

God forbid that you get hit by a carrier of this insurance. their client a red light and totaled my car. They jumped the gun thinking that it was my fault and tried to claim against my insurance. I'm glad I had several witnesses and a police report. It's been two weeks and I've yet to hear back from this company after they realized it was their fault. I am currently awaiting to hear back from them and am filing a official complaint against their company. read more