Business Details
Emergency
services
Coastal Property Insurance Specialists in Florida
Cabrillo Coastal General Insurance Agency specializes in property insurance for catastrophe-exposed coastal areas, combining deep local knowledge with a commitment to exceptional service. Our expertise stems from decades of operating in regions prone to hurricanes and natural disasters, allowing us to develop tailored solutions that address the unique challenges faced by homeowners and businesses in these environments. Headquartered in Florida, our team lives and breathes the coastal experience, leveraging firsthand understanding of storm preparation and community resilience to deliver rapid, compassionate claims resolution. We have systematically designed intuitive digital platforms that eliminate bureaucratic hurdles, enabling policyholders to make payments, report claims, and access support 24/7 without login requirements.Our organizational culture prioritizes immediate responsiveness during crises, evidenced by average hold times under ten seconds during major catastrophes. This operational excellence extends to our producer partners, who receive comprehensive support and stable product offerings that maintain customer protection year-round. Through continuous adaptation to evolving risks and market conditions, we maintain our standing as trusted specialists in coastal property insurance.
Services
Homeowners Insurance
Dwelling Fire Policy
Manufactured Home Insurance
Condominium Unit Owners Policy
Commercial Property Insurance
Highlights and features
- We live in and understand the coastal communities we serve.
- Our digital platforms enable seamless 24/7 policy management.
- Average call hold times remain under 10 seconds during disasters.
- We offer customized coverage for unique coastal property needs.
- Our claims resolution process prioritizes personal attention and speed.
What people say
Outstanding service
Quick claims resolution
Professional team
Compassionate support
Easy online processes
Services
Homeowners Insurance
Our Homeowners Insurance policies (HO3 & HO3-DIC) provide comprehensive protection for primary residences in catastrophe-prone coastal regions. This coverage includes structural damage, personal property loss, and liability protection against common risks like fire, lightning, and wind. Designed for coastal property owners, these policies offer optional endorsements to address specific needs for seasonal homes and short-term rentals.
Dwelling Fire Policy
Dwelling Fire Policies (DP3 & MDP1) protect secondary residences, rental properties, and manufactured homes in high-risk coastal zones. This specialized coverage balances affordability with essential protections for structures and contents while allowing customization through optional endorsements. Available in select coastal states with tailored policy terms.
Condominium Unit Owners Policy
HO6 policies specifically address condominium unit owner needs in coastal areas, covering interior structures, personal property, and loss-of-use expenses. Mandatory in Florida, these policies provide liability protection and address condominium association assessments while allowing policy customization through additional endorsements.
Commercial Property Insurance
Commercial Property Policies (CPP) serve coastal condominium associations and multi-unit residential buildings. Our coverage includes structural protection, business income continuity, and tailored endorsements for community-specific needs. Designed to complement existing association plans while addressing gaps in standard insurance offerings.
Manufactured Home Insurance
MHO3 policies deliver comprehensive protection for manufactured homes in coastal regions, covering structural damage, personal property, and temporary housing expenses. This specialized coverage exceeds basic MDP1 policy protections with expanded peril coverage and customizable option packages for Florida policyholders.
People
Andy Zamora
Sales Manager - Northern CA
Specializing in Northern California insurance markets with extensive experience in coastal property risk management and agent support systems.
Carlos Monge
Sales Manager - Central CA
Focuses on Central California coastal coverage, providing tailored insurance solutions and producer support for catastrophe-exposed properties.
Colleen Greig
Sales Manager - NJ/RI
Coordinates New Jersey and Rhode Island operations, leveraging regional coastal risk expertise to develop effective insurance strategies for local producers.
Lois Nelson
Sales Manager - West Central FL
Manages Florida's West Central region, applying deep knowledge of hurricane-prone property insurance to support local producers and policyholders.
Louis Antoon
Sales Manager - AL/NW & SE FL/MS
Responsible for Alabama and Florida Panhandle regions, delivering comprehensive coastal insurance solutions backed by extensive catastrophe response experience.
Questions
What areas do you cover?
We provide coverage in coastal states including Florida, California, and Texas with plans for expansion.
How do I report a claim?
Call 1-866-482-5246 anytime or use our online claim reporting system.
Are payments processed instantly?
Online payments are processed immediately through our secure platform.
Can I customize my policy?
Yes, we offer customizable coverage options for coastal property owners.
Do you handle commercial properties?
We provide commercial residential insurance for condominium associations and multi-unit buildings.
