Who We Are

The objective of US Coastal Insurance Company is to provide superior service, competitive pricing and peace of mind for all of our policyholders.  That is what you deserve.  That is our mission.

US Coastal Insurance Company is a New York domiciled insurer that was established to provide a premier Homeowners insurance product for people who live along the coast.  US Coastal was founded by a group of people with over 150 years of combined experience in the homeowners insurance business. At US Coastal, we understand the challenging nature of the coastal marketplace and the constraints our customers face.  We are committed to helping protect your property.  US Coastal Insurance Company is administered by Cabrillo Coastal General Insurance Agency.

Claims-Handling Excellence

Harbor Claims, LLC, the claims administrator for US Coastal, has an excellent track record for closing claims quickly and fairly.  After Hurricane Ian made landfall on September 28, 2022, they handled over 8000 claims, closing 93.6% by year-end after an in-person visit from an adjuster. Most importantly, they have a network of more than 200 experienced adjusters ready to respond at a moment's notice should a storm strike.

Financial Stability

US Coastal Insurance Company has been assigned a Financial Stability Rating® of A, Exceptional, from Demotech, Inc. - one of the highest designations available.  The most current FSR can be verified by visiting www.demotech.com.

​          Reinsurance Profile - 2021

US Coastal guarantees to uphold complete financial integrity, for all of our policyholders, through any possible natural event that occurs.

Report a Claim

At the time you need us most, we are here 24/7, 365 days a year.  If you suffer a loss, please let us know by calling us or using our online form.

Harbor Claims, LLC
1-866-482-5246 (Toll Free)

Pay Your Bill Online

We accept renewal and installment payments online.

Click here to make a payment using American Express, Discover, MasterCard or Visa.