Auto
Liability, collision, comprehensive, uninsured motorist, and roadside assistance that actually answers at two in the morning.
Auto coverageAuto, home and renters insurance
For California and Arizona since 1953. Get a price in a couple of minutes, with no phone call unless you want one.
Start a claim
Pick what happened. Most reports take about five minutes, and you do not need your policy number.
Claims are also answered by phone around the clock at (619) 555-0148.
Auto accident
Collision, single vehicle, or someone hit you
Glass
Windshield chip or crack, no other damage
Roadside
Tow, jump start, flat tire, locked out
Home damage
Water, fire, or something broken
Weather
Wind, hail, storm, or wildfire
Theft
Break-in, stolen vehicle, stolen property
Something else
Tell us in your own words
Check a claim
Already have one open? See where it has got to.
Your policy. Sign in to review your coverage and deductibles, pull an ID card or proof of insurance, pay a bill or change a payment date.
Sign inPersonal lines, and nothing else
We do not write commercial policies, and we are not trying to. Four kinds of cover, written well, in two states we know.
Home
Dwelling, contents, loss of use, and personal liability. Wildfire and earthquake sit outside the standard form, and we will say so plainly before you buy rather than after.
Home coverageRenters
Your things, your liability, and somewhere to stay if the building is not livable. Usually the least expensive policy we write.
Renters coverageUmbrella
Liability cover that sits above your auto and home policies for the day something goes further than either of them reaches.
Umbrella coverage
Harborline is owned by its policyholders
There are no shareholders. Buy a policy and you become a member of the company, and members elect the board. That is how we are chartered rather than a marketing arrangement. More about the company.
Surplus comes back
In a year when claims run under plan, the surplus goes to reserves and to members rather than out of the company. Some years there is none.
We stay where we are
Two states, both of them ours. We do not enter a market for a quarter and leave it when the weather turns.
1953 founded in San Diego, two blocks from the water. 317,000 policies in force across California and Arizona. 2 states, and no plans for a third. 94% of auto claims acknowledged the same day.
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Your agent
Independent agents across both states, and a search that gives you the nearest three.
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