SeaHarbor Insurance Agency LLC, headquartered in Dallas, Texas, was founded in 2017. It focuses on providing auto insurance but plans to expand into life and health insurance markets in the near future.
The company primarily serves the state of Texas and is known for offering basic and affordable car insurance coverage that meets state requirements.
Coverage Options
SeaHarbor provides various auto insurance coverages including:
Liability Coverage: This covers bodily injury and property damage that you may cause to others in an accident. It meets the minimum state requirements in Texas, with limits of $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage per accident.
Collision Coverage: This covers the repair or replacement of your vehicle if it is damaged in a collision.
Comprehensive Coverage: This covers non-collision-related damages such as theft, vandalism, fire, and weather-related incidents.
Uninsured/Underinsured Motorist Coverage: This protects you if you are involved in an accident with a driver who has insufficient or no insurance.
Personal Injury Protection (PIP): This covers medical expenses for you and your passengers regardless of who is at fault.
Optional Coverages: These include towing and rental reimbursement, providing support in case your car needs repairs and you need a rental car.
Pricing and Discounts
SeaHarbor’s pricing is competitive, with minimum monthly rates starting at $49. However, unlike many of its competitors, SeaHarbor does not offer a wide range of discounts, which could make it less appealing for customers seeking more extensive savings opportunities​ .
Claims and Customer Service
SeaHarbor offers multiple ways to file a claim, including online, by phone, or via email. They promise a quick and straightforward claims process, though customer feedback indicates mixed reviews. Some customers praise their responsiveness and affordability, while others report issues with claim processing delays and communication problems​ ​.
Financial Stability and Ratings
SeaHarbor is not rated by major financial rating agencies like AM Best, which can make it difficult to assess the company’s financial stability. This lack of independent financial ratings might be a concern for customers who prioritize the long-term security