Who We Are

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

Claims-Handling Excellence

Harbor Claims, LLC, the claims administrator for US Coastal P&C, 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 P&C 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 P&C 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.