OLD HARBOR INSURANCE
Home Insurance
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At Old Harbor Insurance, we listen to help understand our clients' circumstances. We seek to educate clients to understand all insurance options.
Premium insurance
We’re here to help
We have over 10 lines of coverage for your personal insurance. See the listing below to find where we can help and minimize your risk of loss while safeguarding your assets.
We know your hard-earned dollars are important. We seek to provide premier personal insurance coverage while offering competitive rates that won't break the bank.
FEATURED LINE
Umbrella Insurance
Provide added protection (Additional coverage over the underlying policies – homes, autos, etc.) but also help to fill gaps of underlying policies.
California is one of, if not the most, litigious states in the country. An umbrella provides added peace of mind to safeguard your assets.
An umbrella policy can typically be purchased for as little as $150-$200 per year.
Personal Insurance Lines
Our Lines of Personal Coverage Include
Home(s)
Auto
Umbrella
Aircraft
Motorcycle
Income Property
Personal Watercraft
Recreational Vehicles
Earthquake
Flood
Home(s)
Auto
Umbrella
Aircraft
Motorcycle
Income Property
Personal Watercraft
Recreational Vehicles
Earthquake
Flood
Our Lines of Coverage
Auto Coverage
Covers injuries to others caused by the policyholder while operating an automobile.
Covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.
Covers damages caused to someone else’s property by the policyholder while operating an automobile.
Insures the policyholder’s vehicle from loss during a collision with another vehicle or object.
Protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
Covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured/underinsured driver.
Provides a replacement vehicle while the policyholder’s vehicle is repaired.
Provides an assortment of benefits including things such as towing, vehicle lockout coverage, fuel delivery, jump starts, tire changes, and more.
Our Lines of Coverage
Home Coverage
Covers the structure of your home.
Provides coverage for any free-standing structures, other than your home, on your property.
Protection for your belongings within the home such as clothing, furniture, and kitchenware, etc.
Provides coverage so you can live elsewhere while your home is repaired.
Protection for you and your family in the event you are sued for another party’s injuries or property damage.
Designed to pay for medical expenses to others who are injured at your home.
Coverage for losses caused by a municipality enforcing ordinances or laws regarding the construction or repair of your home.
Extends liability coverage for issues such as false arrest, wrongful eviction, violation of privacy, libel, slander, etc.
FEW BROKERS CAN KEEP UP WITH TODAY’S MARKET. WHY?
A PERFECT STORM:
1. Mass Non-Renewals:
State Farm: 70k policies dropped
Nationwide & Safeco: Tens of thousands more, with more planned in 2026
ANPAC: Exiting property insurance in CA.
2. New Carriers = Fewer Broker Options:
Entrants are limiting access to avoid oversaturation.
3. Underwriting Volatility:
Shifts monthly — often feels like daily.
4. Severe Understaffing:
Brokers are buried just managing renewals, let alone new clients.
5. Outdated Personal Insurance Model:
Many still treat it as “write-it-and-forget-it.” Legacy agencies are falling behind, offloading personal lines to chase higher-margin commercial/benefits clients.
Old Harbor is extraordinary because
1. We run on a focused, well-organized team. Each department handles a specific part of personal lines, keeping us informed, agile, and able to make quick, meaningful changes.
2. We’re recognized as an industry leader in personal lines, offering more market access than most other brokers. This gives our clients better coverage options, more competitive pricing, and smarter solutions.
3. We combine advanced technology with a real human touch. Our systems are highly efficient and tech-driven, but you can still speak to a knowledgeable and friendly U.S.-based expert between 9 and 4 every weekday.
4. Thousands trust us — just look at our Google reviews. We provide real social proof and are proud to build in public, sharing openly about who we are and what we believe in.
Frequently Asked Questions
How Can We Help?
Do you need a second companion policy to go with a California Fair Plan Policy?
Yes, you our opinion is that you absolutely need what is called a Difference in Conditions (“DIC”) or “Wrap” policy to accompany your CFP coverage. The California Fair Plan only insures you against the perils of fire, smoke, and vandalism coverage. In California, the most common cause of loss on a homeowners insurance policy is water damage. If you elect to have just the Fair Plan, you’re not only forgoing coverage for the most common cause of loss, you are also not covered for liability claims, wind damage, and more.
Can my California Fair Plan claim payment be reduced?
Yes, there are some unique aspects to a Fair Plan policy to be careful of. One of the most common errors we see in CFP policies written by other agencies is that they only list a single named insured. This is an issue if you have more than one individual on title – for instance a married couple. If a married couple owns a home together, but only one of them is listed as an Insured on the Fair Plan policy, their claim settlement can be reduced by 50%.
What companies have recently dropped homeowners insurance in California?
There has been a slew of companies leaving California the last few years. One of the biggest names that left first was Kemper Insurance. They wrote over $500 million in business in California, and left in 2023. State Farm made headlines in May 2023 when they stopped writing any property (homeowners, condo owners, rental homes, etc.) in the State – a pause that continues now, two years later. In March 2024, nearly a year after their pause, State Farm announced they were going to drop over 70,000 policies. Other big names have dropped tens of thousands of policies in the last two years: Nationwide Insurance, Safeco Insurance (Liberty Mutual), American National Insurance (ANPAC), and Farmers Insurance to name a few.
Useful links to explore:
https://oldharbor.com/2023/08/08/kemper-exits-preferred-home-and-auto-insurance-in-california/
https://oldharbor.com/2023/05/30/state-farm-will-no-longer-write-home-insurance-in-california/
https://oldharbor.com/2024/03/22/news/
https://oldharbor.com/2025/01/10/palisades-fire-and-implications-on-the-california-insurance-market/
How can I help avoid having my home insurance cancelled?
For some, there is nothing you can do. If your insurer is leaving the state or abandoning homeowners insurance in California, you cannot save your coverage. For those that do not fall into that boat, we recommend the following:
- Whenever possible, combine your other insurance with your homeowners insurer. Other lines of personal insurance such as auto, umbrella, and specialty lines are more profitable right now, and will help you appear a more “complete” account. This action will also have the added benefit of lowering your home insurance expense.
- If you receive a letter requiring home clean up, photos, information, or something else. Comply and provide whatever is requested in as timely a manner as possible. Many carriers are re-underwriting risks, and failure to respond is a surefire way to be dropped.
- Be proactive with “fire-proofing” or “hardening” your home where reasonable and possible. Clear trees that overhang or touch your roof. Remove debris from around the home. Clear any unmanaged or overgrown vegetation within 100 feet of your home.
Get a Quote
At Old Harbor Insurance, we listen to helpunderstand our client s circumstances. Weseek to educate clients to understand allinsurance options.
