Safe Harbor Insurance Company

The Homeowners 3 policy form is an all-risk or open peril policy, covering all perils except those explicitly excluded.

Policyholders must contact their Insurance representative to request changes to their coverage.

Safe Harbor Insurance , Florida Insurance , Coastal Insurance , South Carolina Insurance , Florida Mobile Home

Safe Harbor Insurance , Florida Insurance , Coastal Insurance , South Carolina Insurance , Florida Mobile Home

Florida Attorney General James Uthmeier is investigating insurance policies containing clauses that restrict the use of public adjusters. The probe targets endorsements in policies that may limit policyholders' ability to hire these third-party advocates for claims. The move marks a shift in state oversight amid ongoing disputes between insurers and public adjusters over policyholder representation.

Oct 2026Insurance JournalNews article

Florida’s insurance regulator **approves rate decreases for four property insurers**, expanding relief to Miami-Dade and Broward counties. Kin Insurance reports average premium cuts exceeding **20%**, addressing historically high costs in South Florida. The latest approvals follow prior reductions under Commissioner Mike Yaworsky’s oversight, targeting affordability in a region with some of the nation’s steepest home insurance rates.

Sep 2026thefloridapress.comNews article

Florida Insurance Commissioner Mike Yaworsky approves rate cuts for four insurers, expanding relief to Miami-Dade and Broward counties. One Alliance North America and Vyrd Insurance reduce rates by **10.4%**, covering **17,148** and **26,751** policies, respectively. Safe Harbor Insurance and Unique Insurance cut rates by **4.1%** and **3.2%**, affecting **10,501** and **8,266** policies. Kin Insurance separately slashes rates by **20%** in Miami-Dade.

Sep 2026HoodlineNews article

Florida’s Office of Insurance Regulation (OIR) approves four new rate reductions on homeowner insurance policies, averaging **7%**, impacting **62,000 policies** at renewal. The cuts follow ongoing efforts to address rising premiums amid Citizens Property Insurance Corporation’s declining policyholder base. Regulators continue to push for affordability measures in the state’s insurance market.

Sep 2026Insurance JournalNews article