Business Profile
Homeowners Insurance
Cabrillo Coastal General Insurance Agency, LLC
Reviews
39 Customer Reviews
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Review from Vicki V
1 star01/20/2025
Cabrillo Coastal is the worst HO Insurance I have ever dealt with. In October 2024, after receiving a quote, signing all paperwork, paying required start-up fees, paying second installation fees in December, we were canceled with less than a two week notice. After Hurricane ******, our roof ridge cap sustained MINOR shingle damage. The ridge cap was completely repaired (not patched as Cabrillo accused us of) by a licensed and insured roofing company in *****. I paid for a post repair 4 point inspection that indicated the repair was completed and accepted by the roofing inspector. After meeting Cabrillos requests to keep our policy current by completing the repair in a very timely manner, they notified us they were canceling us, giving us less than one week to find HO Insurance. DO NOT use this company. I have never had a claim and our townhome is in excellent shape, but this company looks for a reason not to insure. My question to Cabrillo is why did you waste my time and money? What a poor way to conduct business. Tha you, ***** ****
Cabrillo Coastal General Insurance Agency, LLC Response
01/24/2025
Thank you for bringing this matter to our attention. We take our policyholder concerns seriously and we appreciate the opportunity to address them. As a general business practice, Cabrillo refrains from providing detailed responses on this forum due to privacy concerns. We will be in contact with your insurance agency representative to discuss this matter.Review from Barbara d
1 star11/15/2024
Received an email that they inspected my roof and I need a new 1 because current roof is over 10 years old. Despite the fact that my current roof is only 6 years old.Cabrillo Coastal General Insurance Agency, LLC Response
11/19/2024
Thank you for bringing this matter to our attention. We take our policyholder concerns seriously and we appreciate the opportunity to address them. As a general business practice, Cabrillo refrains from providing detailed responses on this forum due to privacy concerns. The request was based on the roof age known to date. As we now understand the flat portion of the roof has been replaced, we will be in contact with you to resolve the matter.Cabrillo Coastal General Insurance Agency, LLC Response
11/20/2024
Thank you for bringing this matter to our attention. We take our policyholder concerns seriously and we appreciate the opportunity to address them. As a general business practice, Cabrillo refrains from providing detailed responses on this forum due to privacy concerns. The request was based on the roof age known to date. As we now understand the flat portion of the roof has been replaced, we will be in contact with you to resolve the matter.Review from Brigitte B
1 star09/04/2024
Very difficult to complete and bind a policy My 4 point inspection turned out great and I was able to get the policy started. About a week later the company's inspector came out and he didn't find anything wrong.. he actually said; "I can't see any reason why you shouldn't get this ins month later I got a text saying they would cancel because of underwriting concerns like roofing, plumbing or bushes too close to the house.. well...I had a $10,000 roof done less than 4 yrs earlier. There seems to be many similar problems listed on your reviews.Cabrillo Coastal General Insurance Agency, LLC Response
09/09/2024
Thank you for bringing this matter to our attention. We take our policyholder concerns seriously and we appreciate the opportunity to address them. As a general business practice, Cabrillo refrains from providing detailed responses on this forum due to privacy concerns. We will be in contact with your insurance agency representative to discuss this matter.Review from Steven M
1 star08/27/2024
This company is awful. We were approved for a policy after paying for a home inspection and passing. We paid the first payment then a month later we were told by an agent that Cabrillo was canceling us with no priorwarning. The reasons given were an old shed, which wasn't even on the property being insured, small branches touching the roof, and some wood damage on an out building. We paid over $2,500 to fix the wood and have the tree trimmed back. Cabrillo's response is they don't care and are canceling regardless. Terrible company. Why grant the policy in the first place? Now we have no insurance. Avoid them at all costs.Cabrillo Coastal General Insurance Agency, LLC Response
09/03/2024
Thank you for bringing this matter to our attention. We take our policyholder concerns seriously and we appreciate the opportunity to address them. As a general business practice, Cabrillo refrains from providing detailed responses on this forum due to privacy concerns. We will be in contact with your insurance agency representative to discuss this matter.Review from JoAnn J
1 star08/18/2024
Do not buy from Cabrillo/Safe Harbor Insurance! What a poorly run organization. They made us jump through hoops to get insurance. First they accepted us and then they said they needed more proof of permits for roof. They got it and accepted us. FOR 2 months. Then they cancelled us due to missing paperwork. I called and they found that the paperwork had not all been loaded. They said no problem we got it fixed. Later in the day we got an email saying oh no we were mistaken, you will be cancelled. This was on Tuesday and our cancellation day was the following Sunday. I had to find another company in a hurry. We managed to get another reputable company and finished all docs Friday am. How stressful! And then dealing with **************** with escrowing the insurance. It was a month before we got our check from them.Cabrillo Coastal General Insurance Agency, LLC Response
08/21/2024
We appreciate you bringing your concerns to our attention, and regret we were unable to continue to provide your insurance needs to your satisfaction. As a business practice, Cabrillo refrains from providing detailed responses on this public forum due to privacy concerns. Generally speaking, the underwriting review process for new policies includes confirming eligibility with the company. One aspect of the process is to verify the accuracy of the information represented on the application for insurance. This verification can be in the form of a physical inspection, reviewing property records, or asking a policyholder or their insurance representative for additional information.Review from Leonard P
1 star08/16/2024
Worst company ever. Bought a winter home in ******* in May. Paid the $4200 first year. Live in ********. They send an email end of June wanting pictures of some screws on the roof. Obviously don't have pictures of some screws on the roof. Told them it is newer and only 5 years old, I am a disabled veteran and I am not going to be in the area to take a picture of the screws on the roof for a couple of months. Cancelled me saying I did not cooperate and kept $1200 of the $4200. That is nothing less than fraud and a way of embezzling money from people. They never underwrote my policy so their for there was technically no policy. Which means a full refund not a partial. Nothing but a scam, thieves, con company. STAY AWAY FROM AT ALL COST!!!Cabrillo Coastal General Insurance Agency, LLC Response
08/20/2024
We appreciate you bringing your concerns to our attention. Unfortunately, we are unable to locate a policy associated with your name, so cannot review nor validate the details of the events as described. In general, a physical inspection on a new policy is secured to verify eligibility with the company. If a hazardous condition is identified from that inspection, underwriting may request photos to show the hazardous condition has been remedied.Review from Quy d
1 star07/25/2024
Worst insurance company I've ever dealt with.Cancelled my policy because they claim the inspection company reached out to me to schedule an inspection 3 times on 5/30/2024, but there is ONE missed call on that date and it was from one of my personal contact- not them. Zero communication/emails/phone calls from ANYONE.Such an easy fix but they keep saying they won't reorder the inspection and that there's nothing they can do. Just save your time and go with a better company. Terrible experience.Cabrillo Coastal General Insurance Agency, LLC Response
07/26/2024
Thank you for bringing your concerns to our attention. We regret we were unable to continue to provide your insurance needs to your satisfaction. As a general business practice, Cabrillo refrains from providing detailed responses on this forum due to privacy concerns.Review from John X
5 stars07/24/2024
A got a quote from this insurance agency, so I need their reviews for my decision.Thanks!Review from Nicholas S
1 star06/11/2024
Had a water leak from my dishwasher. Cabrillo sent an adjuster and leak detection professional to confirm. Agreed kitchen flooring damage was caused by the leak so they covered replacement flooring then a couple months later I received a cancellation notice due to water damage claims. They'll take your money without question but should you use the insurance, they'll cancel you. Got a much better quote through All State. Steer clear of Cabrillo, these people are hacks.Cabrillo Coastal General Insurance Agency, LLC Response
06/13/2024
Thank you for bringing your concerns to our attention. We regret we were unable to continue to provide your insurance needs to your satisfaction. As a general business practice, Cabrillo refrains from providing detailed responses on this forum due to privacy concerns.Review from Billie S
1 star06/05/2024
The home inspector lied and made up stuff. Tried to call them with their automated service could not get no body. They should be investigated by the regulatory system.Cabrillo Coastal General Insurance Agency, LLC Response
06/07/2024
Thank you for bringing this matter to our attention. We take our policy holder concerns seriously and we appreciate the opportunity to address them. As a general business practice, Cabrillo refrains from providing detailed responses on this forum due to privacy concerns. We will be in contact with your insurance agency representative to discuss the matter.
Customer Review Rating
1.41/5stars
Average of 39 Customer Reviews
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