“When it came time to renew our home insurance, Old Harbor found us $419 in annual savings…Thanks, Old Harbor!”
Lizzie, Newport Beach, CA
Do an annual rate review – if you’re with a captive insurance company, you must do the shopping for yourself. They only have one option, so they aren’t getting any comparisons on your behalf. One of the top reasons to work with a premier insurance broker like Old Harbor.
- 50+ of the top insurers throughout the Western United States
- We will review and have our quote to you within one hour
- Hundreds of success stories (See Our Reviews) Consistently helping clients save!!
Review coverages
- Increase Deductible - Small claims don’t make sense; if you’re handy and/or willing to handle small fixes, let’s save you some money on your home insurance
- Increase Liability - Many insurance companies offer low liability coverages as a way to limit their exposure on your home insurance. At Old Harbor, we recommend the maximum liability limit available. Claims settlements are increasing with each passing year, and optimizing your protection often costs less than $30 per year.
- And Much More...
Consider any changes that you’ve made over the last twelve months
Home Upgrades
- Any new buildings?
- New pool?
- A kitchen or bathroom remodel, etc.?
New Animals? Dogs, Horses, Etc?
- Complete list of dog breeds insurance companies don’t like - Click Here
| Features & Services | Our Agency | Captive Agent | Online & 1-800 Companies |
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| Access to multiple companies and widee range of products |
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| Easy switching from company to company withour hassle |
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| Unbiased and objective advice |
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Tries to sell & support only their company | Tries to sell & support only their company |
| Claims assistance and advocacy |
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Adjusters are often exclusive to the one company | No help: You vs. adjuster |
| Policy service from the same person you bought from |
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to call center | You'll likely never talk to the same person twice |
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When you buy from an independent agent like us, you're supporting local business and your local economy #choicematters #indeependentagent |
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“Christian has been very responsive to my insurance needs and has excellent follow-up and customer support.
He is definitely worth meeting if you are looking for an insurance agent.
Jim Riskas
“Christian has been great to work with. We have been using his services for the past 5 years. He takes great care of our insurance needs."
Dean Welsh
Combine Your Auto Insurance with Old Harbor
This is the largest discount in personal insurance and we don’t want to miss it! Click Here to submit your information through our 256-bit AES military grade encrypted portal Weblink – takes only 3 minutes to submit!
- We’ve helped hundreds of clients to save thousands of dollars.
- Simplify your insurance with everything serviced by OHIS
- We will review and have our quote to you within one hour
- Strengthen your buying power as a consumer
- Have the shopping done for you! We work with more than 50 of the top insurance companies in the country.
- Hundreds of success stories. Consistently helping clients save – click here!
Coverage Review
Looking after your family just as we look after our own!
“Good services and well experienced agency. I would recommend to do business either commercial or personal insurance needs.
Magdy Salama
“Amazing service and experience.
Christian was SO nice, easy to work with, transparent and got me the best deal. I got my auto insurance and renters insurance through Old Harbor and would go back again for any of my needs. Thank you!!!!
Alexandra Pink
“I cannot say enough great things about my experience with Old Harbor. They have always gone above and beyond to assist me with all if my insurance needs.
Jodi Silbermann
“Carlo and Old Harbor Insurance are the absolute best. They are quick to respond to any and every request I have...and I have some crazy requests. It could be in regards to the business, personal insurance, help with claims, or just general questions, Carlo and his team deliver every single time!”
Nick Di Nieri
“Chris helped me to quickly and easily find and switch over to a cheaper insurance provider.
I would recommend him to anyone that is looking for an insurance broker!
Jake Phelps
“Carlo and his team always do an amazing job of taking care of our families insurance needs. The team has saved us a great deal of money
Justin Buck
Such an awesome experience! Make sure you use Old Harbor!
Austin Long
“It has been fantastic working with the Old Harbor team. They are top notch and I trust them to find not only the appropriate coverage for my needs, but also with the best rates possible. Looking forward to having them continue to service my insurance needs in the future!”
Tyler Fahrion
“We are going on our second year with Old Harbor Insurance and will never look back.
We dealt specifically with Carlo, he was so helpful and knowledgeable. He made it so easy, he actually got us more coverage for less money. 10/10
Chanelle Blackburn
“Carlo provided fast and efficient services. His quote was the lowest I found. Very professional and helpful with all of my questions and needs.
Kelly Kester
“Professional, Quick and so Helpful! Always available when I have any questions and so prompt to respond. Friendly and professional all the time. I have enjoyed working with them and will continue to use them for all my insurance needs.”
Tara Herold
Life Insurance
Real People, Real Connections
No Medical Exams
100% online capabilities. Answer a few health questions instead of exams and blood tests. Done in minutes!
Same Day Coverage
An expedited process that typically allows for protection within minutes of completion.
Affordable Policies
Find the right policy that fits your budget and family needs.
Recent Life Insurance Successes
41 Year Old Female - $250,000, 20 Years for $17/month
41 Year Old Male - $2,000,000, 20 Years for $159/month
33 Year Old Male - $1,500,000, 20 Years for $43/month
30 Year Old Female - $750,000, 30 Years for $36/month
34 Year Old Female - $2,000,000, 30 Years for $109/month
35 Year Old Diabetic Male - $3,000,000, 20 Years for $209/month
From Our Family to Yours
“Christian has been very responsive to my insurance needs and has excellent follow-up and customer support.
He is definitely worth meeting if you are looking for an insurance agent.
Jim Riskas
“Crystal and the rest of the team at Old Harbor are fantastic.
Great rates as they just beat my AAA policy and got me to switch after 15 or so years with AAA for auto. Looking forward to continuing to work with them and thank you again Crystal for being so responsive and timely for all of our requests.
Kevin Giles
“Old Harbor is my go to for all things insurance! They are super responsive and always are there to answer all my questions and provide me with the best rates around. Highly recommend!
Katie Rauton
“Their service was good and communication was great. Would recommend them.”
Tré Beatty
“Old Harbor worked with me to find the best insurance rates for my property.
They were fast and friendly during the whole process. I would highly recommend them to everyone. Great job!!!
Julie Robinson
“Old Harbor is hands down the best of the best when it comes to insurance.”
Bryce Gonser
“Christian has been great to work with. We have been using his services for the past 5 years. He takes great care of our insurance needs."
Dean Welsh
“I’ve been with old harbor for quite some time now. They handle all my rental properties. They have been great. Very professional and a great company to deal with.”
Julie Fulton
“We are going on our second year with Old Harbor Insurance and will never look back.
We dealt specifically with Carlo, he was so helpful and knowledgeable. He made it so easy, he actually got us more coverage for less money. 10/10
Chanelle Blackburn
“I have had a great relationship with Old Harbor insurance. They have never let me down.
Kevin Mobley
“Great service, honest, and operates with integrity! Amazing people and amazing business.”
Ross Stout
Christian Richter and the entire Old Harbor Insurance team make insurance shopping a totally effortless experience.
They are responsive to their clients’ needs and work hard to provide the best products and the best price possible.
Jim Pearson
“Your homeowner hazard insurance premiums are very reasonable in comparison. The Temecula staff is very prompt and efficient”
Pete Ramos
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