Ocean Harbor Casualty Insurance Company, part of Pearl Holding Group, offers non-standard auto, homeowners, and property insurance across multiple states. Customers can pay premiums securely online via the ISi portal or state-specific systems, by phone, mail, or through authorized agents, with Flex Pay (EFT) for flexible installments and auto-pay to avoid $10 late fees.
Learn how to pay your Ocean Harbor bill, set up auto payments, view policies, and contact support using the official links below.
Ocean Harbor Casualty Insurance – Policy Management
Official site for quotes, agents, and resources; access claims and general info.
ISi Login – Online Account & Bill Pay
https://isi.oceanharbor-ins.com/is/root/logon
Log in or register to view policies, make payments, and manage accounts. Use your agent code, username, and password.
MyPearlPolicy – Pearl Holding Group Portal
For Ocean Harbor policies under Pearl Holding Group: Access status, payments, ID cards, and documents.
Payment Options
1. Pay Online via ISi or MyPearlPolicy
- Website: Visit isi.oceanharbor-ins.com or mypearlpolicy.com to log in/register.
- Features:
- One-time or recurring payments; view balances, history, and due dates.
- Enroll in auto-pay for monthly deductions.
- Secure 24/7 access with instant posting and email confirmations.
- Payment Methods: eCheck (ACH from checking/savings), credit/debit card (Visa, MasterCard, Discover).
- Fees: No fees for eCheck; processing fees for cards (waived in some plans); $6 service fee for installments.
- Enrollment: Use policy number and email; first payment due within 25 days of effective date.
- State-Specific: For New York, use pay.xpress-pay.com/?org=5221BA467DBB466.
2. Flex Pay (EFT) Plan
- Option: Enroll in EFT/Flex Pay for flexible monthly installments via electronic funds transfer.
- Setup: Log in to ISi or contact your agent; ideal for spreading premiums evenly.
- Benefits: Avoids late fees with automatic deductions; announced by Pearl Holding Group for easier budgeting.
3. Pay By Phone
- Phone Number: Call Billing Department at (631) 547-5959 (Mon-Fri 8:30 a.m.-4:30 p.m. ET) or your agent/broker.
- Accepted: Credit/debit card or eCheck.
- Note: Have policy number ready; inquire about invoices or set up payments.
4. Pay By Mail
- Mailing Address: Ocean Harbor Casualty Insurance Company, 7 High Street, Suite 408, Huntington, NY 11743 (or check your statement for state-specific).
- Instructions: Include remittance stub with check/money order (no cash); allow 7-10 days for processing to meet due dates.
5. Pay In Person
- Locations: Local Ocean Harbor agents, authorized centers (e.g., Walmart, Winn-Dixie, Kmart, Meijer, Kroger).
- Accepted: Cash, check, credit/debit card.
- Requirements: Bring policy number or statement; fees may apply for cards.
6. Payment via doxo
- doxo.com: Pay with credit/debit card, Apple Pay, or bank account. Free for bank transfers; fees may apply for cards.
Account & Billing Support
- Customer Service Phone: (855) 585-0500 (claims/property) or (631) 547-5959 (billing); agent locator on website.
- Email: [email protected] (for property claims); use secure portal for billing.
- Address: Ocean Harbor Casualty Insurance Co., 2549 Barrington Circle, Tallahassee, FL 32308.
FAQs
How do I pay my Ocean Harbor insurance bill online?
Log in to ISi at isi.oceanharbor-ins.com or MyPearlPolicy at mypearlpolicy.com; select Bill Pay, enter details, and confirm for instant processing.
What is the grace period for Ocean Harbor payments?
A 10-day grace period applies before cancellation for nonpayment; pay within this to avoid policy lapse.
What are the late fees for Ocean Harbor bills?
A $10 late fee applies on the 6th day after the due date (e.g., if due on the 22nd, fee on the 28th).
Can I roll over a late payment?
Yes, Ocean Harbor can roll late payments to the next month’s premium, or pay current month if preferred.
How do I reinstate a lapsed Ocean Harbor policy?
Contact your agent to pay reinstatement fees; provide vehicle photos (4 sides) and verify no losses since termination.
Does Ocean Harbor offer auto-pay discounts?
Yes, enroll in auto-pay via EFT/Flex Pay for convenience; some plans offer up to 10% discount when combined with paperless billing.
Tips for Managing Your Ocean Harbor Bill
- Set up auto-pay or Flex Pay early to avoid $10 late fees and ensure continuous coverage.
- Monitor your portal regularly for due dates, payment history, and policy updates.
- Update payment methods promptly to prevent interruptions.
- Opt for paperless billing and email/text reminders to go green and stay on track.
- For high premiums, explore installment plans or contact billing for options.
- Use official portals and agents to avoid scams; report issues immediately.
Ocean Harbor Casualty Insurance offers flexible, secure bill pay—use the ISi portal for quick, anytime access!
