Ocean Harbor is rated B by AM Best and rated F by BBB. The average customer review rating on BBB is a 1.08 out of five stars (with five being the highest rating) for 75 customer reviews. Ocean Harbor also has more than 275 customer complaints in the past three years, with 99 of them coming in the past 12 months. Customers typically express dissatisfaction with experiences they’ve had with Ocean Harbor Insurance. This includes representatives not answering phone calls or returning messages and difficulties with the claims process.