Business Details
33 Years
experience
Your Trusted Oklahoma Insurance Partner
Founded in 1993, Harbor Insurance has built a reputation as a trusted insurance provider dedicated to serving Oklahomans. Based in Tulsa, our company operates on three core principles: Knowledge, Integrity, and Drive. We prioritize educating our staff to deliver exceptional service while maintaining transparency and reliability in all customer interactions. As the exclusive Managing General Agency for Harbor Insurance, we collaborate closely with Statewide General Agency, a leader in specialty insurance since 1975, to offer tailored solutions for personal and commercial needs. Our commitment to innovation ensures competitive pricing and efficient service, including premium discounts for clean driving records and specialized coverage for unique properties. With a Financial Stability Rating of A, Exceptional from Demotech, Inc., we provide peace of mind through comprehensive auto, property, earthquake, and vacant property insurance.Our policies accommodate diverse client circumstances, from primary residences to mobile homes and commercial properties, with flexible terms and optional coverages. We empower customers to make informed decisions through personalized guidance from our experienced agents. Our dedication to the Oklahoma community extends to supporting local markets and addressing regional risks, ensuring our clients receive dependable protection and prompt claims resolution. By combining decades of expertise with a client-centric approach, we strive to be the insurance partner Oklahomans trust for their most valuable assets.
Services
Auto Insurance
Property Insurance
Earthquake Insurance
Mobile Home Insurance
Vacant Property Insurance
Commercial Property Insurance
Details
- Year established: 1993
Highlights and features
- We specialize in Oklahoma-specific insurance needs with localized expertise
- Our partnership with Statewide General Agency provides 50+ years of industry experience
- Financial Stability Rating of A, Exceptional from Demotech, Inc. ensures reliability
- Customized policies for unique properties including mobile homes and vacant properties
- Dedicated agents help clients navigate coverage options and discounts
Associations and certifications
- Demotech, Inc.
Services
Auto Insurance
Our auto insurance program serves diverse drivers across Oklahoma with flexible options. We reward clean driving records through premium discounts while providing coverage for drivers with blemished records. Policies include liability protection, collision coverage, and comprehensive options tailored to individual needs. Our Oklahoma-based agents help clients navigate state requirements and select appropriate coverage limits.
Property Insurance
We offer property insurance for residential and commercial properties across Oklahoma. Coverage includes single-family homes, duplexes, and commercial buildings with values ranging from $50,000 to $5 million. Policies feature customizable deductibles, optional coverages, and discounts. Our agents specialize in creating tailored solutions for standard and unique properties, including vacant homes and seasonal residences.
Earthquake Insurance
Our earthquake insurance protects Oklahoma homeowners against seismic events. Available for residential properties valued between $50,000 and $5 million, this coverage includes structural protection and personal property reimbursement. Policies offer flexible deductible options and can be combined with standard homeowners insurance. Our Oklahoma-based agents provide guidance on risk assessment and coverage customization.
Mobile Home Insurance
We provide specialized insurance for mobile and manufactured homes across Oklahoma. Coverage applies to primary residences, vacation homes, and vacant units with values from $5,000 to $150,000. Policies include property protection, liability coverage, and optional endorsements. Our agents understand the unique needs of mobile home owners and help select appropriate coverage terms and deductibles.
Vacant Property Insurance
Our vacant property insurance addresses Oklahoma properties left unoccupied for inheritance, renovation, or market transitions. Coverage includes up to $5 million in property limits and $1 million in liability protection. Policies offer 3, 6, or 12-month terms with customizable options. Our agents assist in determining appropriate coverage for transitional property situations.
Questions
What types of insurance does Harbor Insurance Company offer?
We provide auto insurance, property insurance, earthquake coverage, mobile home policies, vacant property protection, and commercial property insurance tailored to Oklahoma residents and businesses.
How can I get a personalized insurance quote?
Contact our Tulsa-based agents through our website or phone lines to discuss your specific needs. Our team will help you evaluate coverage options and pricing based on your property type and risk profile.
Does Harbor Insurance offer discounts for safe drivers?
Yes, our auto insurance program includes premium discounts for drivers with clean records while maintaining coverage options for those with blemished driving histories.
What is the Financial Stability Rating of Harbor Insurance?
We maintain an A, Exceptional rating from Demotech, Inc., reflecting our strong financial position and ability to meet ongoing obligations to policyholders.
Can I insure unique property types through Harbor Insurance?
Yes, we specialize in coverage for mobile homes, manufactured housing, vacant properties, and commercial buildings with flexible terms and customizable coverage options.
What are Harbor Insurance's business hours?
Our Tulsa office operates Monday through Friday from 8:00 AM to 4:30 PM Central Time, with a lunch break from 12:00 PM to 1:00 PM.
