How you pay your Ocean Harbor Insurance bill depends on the independent insurance agent you bought your policy through. Each agent will offer different ways to pay your bill, but these often include paying online or over the phone. If online bill pay is an option, you likely have to navigate to your company’s website and log into your account. Then it’s a matter of using one of the available payment options to complete your bill payment. You may also have the option to pay your bill through a mobile app, if available.