SeaHarbor Insurance Review: Pros and Cons (2024)

Founded in 2017, SeaHarbor Insurance is a new and small insurance agency that provides cheap auto policies to drivers in Texas. The company also displays life and health insurance on its website but promises to offer them in the future.


As a Texas-based company, SeaHarbors’ car policy is set to meet the required state law, which is known as 30/60/25 coverage; however, this is the highest level of liability coverage you can buy from the company.

While this is quite affordable, it might not suffice for some, particularly drivers who need coverage beyond the minimum bodily injury requirements. SeaHabor also does not offer many extras that are essential for drivers, including uninsured motorist coverage.


But for drivers who are on a budget and only need the minimum car insurance, the company’s policy might be all they need. This also includes an affordable downpayment option for drivers to spread the cost of their premium.

Since SeaHabor insurance is still new and operates on a small scale, much information is yet to be known about it, so our review will explain everything about the company, what it covers, and its pros and cons.

Also check our review of another Texas-based car insurance company » Remco insurance (now Pronto Insurance)

Pros and cons


  • Policies are tailored to meet Texas auto insurance requirements
  • Policies can be cheap


  • New company
  • Offers only a few coverages
  • Limited availability
  • Not rated on AM Best

About SeaHarbor Insurance

SeaHarbor Insurance Agency LLC is a Texas-based car insurance provider that was founded in 2017 with the goal of offering affordable and basic car insurance coverage to drivers in Texas.

According to the company, they are also planning to roll out life and health insurance policies in Texas.


Seaharbor Insurance coverage is only available in Texas.

SeaHarbor Insurance coverage

When trying to get auto insurance, remember to only shop for what you need and what is required for your state. Since SeaHarbor primarily operates in Texas, your policy comes with the minimum coverage automatically.

  • Liability coverage: This liability coverage pays claims for those whom you have injured or killed in a car accident for which you were responsible. It includes $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage per accident
  • Comprehensive: This covers you against damages like hail, theft, fire, vandalism, and more. Deductibles for this coverage begin at $500, with a maximum of $1,000.
  • Collision: If your car sustains a collision with another driver or car, the collision coverage will help repair or replace your car if it is beyond repair. This also has the same deductible as comprehensive.
  • Rental reimbursement: Rental reimbursement coverage pays for transportation expenses while your car is repaired. SeaHarbor will cover up to $30 per day for your rental car and a total maximum reimbursement limit of $900.
  • Towing reimbursement: If your car breaks down and needs to be towed to any nearby repair shop, this will cover the costs involved in the process.

Optional coverage:

  • Comprehensive
  • Collision
  • Towing reimbursement
  • Rental reimbursement

Need ridesharing coverage for your business? check our review of » Toggle car insurance

Costs of SeaHarbor car insurance

Based on a quote obtained from SeaHarbor for a 2002 Nissan Frontier pickup truck with only liability coverage for a 44-year-old driver, the monthly premium was set at $101.42.

Keep in mind that the cost of car insurance is determined using several factors, including your driving profile, age, and coverage limits.


Unlike its competitors, SeaHarbor does not offer auto insurance discounts for policyholders.

Seaharbor insurance reviews and ratings

Seaharbor Insurance Agency LLC is still a new carrier in Texas and has minimal information online.

They also do not have a credit rating on AM Best, which indicates if a company has long-term financial stability and the ability to pay claims. Considering this, it might be hard to figure out how well they’re doing and if they’re financially strong.

On the Better Business Bureau website, Seaharbor has received lots of negative reviews, with most reviewers citing concerns about how poorly the company has responded to their claims, including the impromptu cancellation of policies.

How to enroll

This can be done online through their website. You can also speak with a representative by navigating to their Contact Us page if you need more help regarding policy details. Alternatively, you can call (877) 220-6130.

Claims process

We’re still waiting to confirm exactly how SeaHarbor Insurance handles their claims process. While we might assume they handle claims promptly, reviews left online are not in their favor.

Need pay-as-you-go car insurance? check our review of » Hugo car insurance

Our Verdict

While SeaHarbor’s website makes car insurance appear promising, records convincingly show that it might not be the best option for your car insurance needs.

However, if you only need liability coverage along with insurance that wouldn’t cost you much, then SeaHabor can be a good fit for you. It should be noted that the company may not be bad, as seen from reviews.

But then, if you are more concerned about the financial stability of the company or if you are the type that only buys coverage according to how well a company is rated, you might want to compare car insurance quotes from popular brands.

Frequently Asked Questions (FAQs)

Is Seaharbor Insurance legit?

SeaHarbor is a legit insurance company, even though it has no rating on AM Best, including a couple of negative reviews on BBB.

The company was founded in 2017 and is based in Dallas, Texas.

How to report a car accident to SeaHarbor insurance

Like most insurance companies would generally do, if you are involved in a car crash, you should quickly document and take photos, including recording the accident, and send them to the provided email address.

To report your claims to the company, you can send an email to them at [email protected] or sign in to your account to submit a claim.

Other than this, your best bet would be calling their customer service via phone at 877-220-6130 or using the Contact Us page section.

Does SeaHarbor offer life and health insurance?

No. SeaHarbor does not currently offer life and health insurance. According to the company, they are working on putting both policies into effect soon.

Can I customize my coverage?

SeaHarbor’s policy customization is limited due to a lack of coverage options. However, you can still add little tweaks to your policy based on what is being offered.

SeaHarbor insurance payment online

You can pay for or renew your policies on the website using your credit or debit card or via an electronic bank transfer.

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