Old Harbor Insurance Services

What Old Harbor Insurance Services does

Old Harbor Insurance Services is an independent insurance agency headquartered in Temecula, California, with additional offices in Coeur d'Alene, Idaho, and Texas. Founded in 2013, the firm operates as a multi-state agency serving over 10,000 clients across nine states through licensed insurance agents selling personal, commercial, and life insurance products. The agency's central operating asset is access to 81 A-rated insurance carriers spanning admitted, surplus lines, and specialty markets, which it uses to source coverage in California's tightening insurance market — particularly for homeowners and small businesses facing non-renewals, wildfire exposure, or gaps that require FAIR Plan or surplus-lines alternatives.

The product portfolio covers personal lines (homeowners, auto, motorcycle, renters, manufactured home, rental property), commercial lines (commercial property, landlord, general liability, umbrella, workers compensation, commercial auto, technology, and short-term vacation rental), and life insurance (term, whole, long-term care). Distribution is sales-led and direct-to-consumer, executed through licensed agents via phone, email, in-person consultations, online quote-request forms, and an SEO/content-driven website with active social channels on LinkedIn, Twitter, YouTube, Facebook, and Instagram. Revenue is generated through carrier commissions on placed policies, with pricing quote-based, monthly-billed, and tied to individually underwritten risk factors — property location, construction type, claims history, fire hazard severity zone, roof age, and coverage limits — rather than disclosed standard tiers.

Operationally, Old Harbor is differentiated by California-market specialization (FAIR Plan placement, wildfire/flood/earthquake coverage, surplus lines navigation) and a programmatic acquisition strategy that has produced four announced deals — DCIA Insurance Solutions (May 2025), Brown, Bacher & Walls Insurance Services (January 2026), Hagar Insurance Services (May 2026), and The Insurance Shoppe (June 2026). The firm is privately held with no disclosed external investors, parent company, or institutional sponsor, and is led by co-founder Carlo Diaz (Vice President), principal Christian Richter, and account executive Micah Albao, a three-time Allstate Inner Circle Award recipient who joined in June 2025.

Name

Old Harbor Insurance Services

Legal name

Old Harbor Insurance Services

Website

https://oldharbor.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Independent insurance agency headquartered in Temecula, California with offices in Idaho and Texas, distributing personal, commercial, and life insurance through access to 81 A-rated carriers and serving over 10,000 clients across nine states.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance services
• Home insurance coverage
• Multi-carrier insurance

Headquarters

HQ city

Temecula

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Agency Commissions: As an independent insurance agency, Old Harbor earns commissions from insurance carriers for policies placed. Agents work with multiple carriers to find appropriate coverage for clients, earning commission income based on written premium.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Old Harbor Insurance Services is an independent insurance agency that places personal, commercial, and life insurance policies on behalf of clients through 81 A-rated carrier partnerships spanning admitted, surplus lines, and specialty markets. The agency specializes in California risks such as homeowners, wildfire, flood, earthquake, landlord, and short-term vacation rental coverage, and assists clients who have been non-renewed by major carriers. Licensed agents deliver personalized consultations and quote services across offices in California, Idaho, and Texas serving over 10,000 clients in nine states.

Product overview

Old Harbor Insurance Services operates as an independent insurance agency offering a comprehensive portfolio of insurance products accessed through 81 A-rated carrier partnerships. The core offerings consist of Personal Insurance (homeowners, auto, motorcycle, renters, apartment buildings, manufactured homes, rental properties), Commercial Insurance (property, landlord, business, workers comp, liability, umbrella), and Life Insurance. Specialty products include earthquake, flood, wildfire, short-term vacation rental, technology, and umbrella coverage. The agency serves over 10,000 clients across nine states, with operations in California (Temecula), Idaho (Coeur D'Alene), and Texas.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Comprehensive personal insurance coverage spanning homeowners, auto, motorcycle, renters, apartment buildings, manufactured homes, and rental property insurance, accessed through 81 A-rated carriers for individual consumers in California, Idaho, Texas, and surrounding states.
• Commercial Insurance Business insurance coverage including commercial property, landlord insurance, general liability, umbrella, workers compensation, package insurance, and commercial auto insurance for small and medium businesses across California.
• Life Insurance Life insurance products including term life, whole life, and long-term care coverage provided through multiple carrier partnerships to individual consumers.
• Homeowners Insurance Home insurance coverage protecting residential properties against risks including wildfire, flood, earthquake, and standard property damage. Offers coverage for new purchases, existing homeowners, and high-value properties.
• Auto Insurance Vehicle insurance coverage for personal automobiles, including standard auto, commercial auto, and specialty coverage for vehicles such as motorcycles.
• Landlord Insurance Rental property insurance covering dwelling damage, loss of rental income, and premises liability for property owners renting to tenants, with surplus lines options for wildfire-exposed rental properties.
• Renters Insurance Coverage for tenants renting apartments, homes, or other residential properties, protecting personal belongings and liability.
• Short Term Vacation Rental Insurance Specialized coverage for Airbnb and VRBO properties and homeowners, addressing unique risks of short-term rentals.
• Earthquake Insurance Coverage for earthquake damage to properties in California, often offered as an endorsement or separate policy due to standard policy exclusions.
• Umbrella Insurance Additional liability coverage extending beyond standard policy limits for personal or commercial insurance policies.
• Workers Compensation Coverage for workplace injuries and illnesses, required for most California employers.
• Technology Insurance Specialty coverage for technology businesses and professionals, protecting against unique tech industry risks.
• FAIR Plan Coverage California FAIR Plan access for high-risk properties when admitted and surplus lines markets decline coverage, provided as insurer of last resort.

Quantifiable outcome

• Access to 81 A-rated carriers for comprehensive coverage comparison
• +1 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Two partnerships are on record, tiered core and minor.

• Orion180coreTechnology or Integration · 21 April 2026Orion180 launched its Dwelling Protection (DP) Landlord Insurance product in California on April 21, 2026. Old Harbor Insurance works with Orion180 as one of the 81 A-rated carriers in their network to place DP Landlord policies for eligible California rental properties. Orion180 operates through its surplus lines entity in California, offering customizable coverage for rental property owners in wildfire areas with dwelling coverage from $300,000-$2,000,000.
• American Strategic InsuranceminorChannel Partner/ Reseller/ Distributor · 16 November 2016Old Harbor Insurance partnered with American Strategic Insurance as part of their carrier network. American Strategic Insurance is one of the insurance carriers available through the independent agency.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• PCF Insurance Services: PCF is one of the largest U.S. independent insurance agency roll-ups, acquiring dozens of agencies per year using a similar multi-carrier platform model. Old Harbor's acquisition cadence and multi-carrier positioning directly mirror PCF's playbook, making it the closest comparable independent agency consolidator.
• Acrisure: Acrisure built a multi-billion-dollar platform via aggressive acquisition of insurance agencies and brokerages, including P&C and personal lines shops. Old Harbor's rapid deal tempo and focus on personal/commercial P&C placement closely mirrors Acrisure's early-state acquisition model.
• Hilb Group: Hilb Group is a large U.S. insurance brokerage roll-up focused on acquiring mid-market agencies across personal, commercial, and specialty lines. Both firms share the multi-carrier independent agency DNA with active M&A as the primary growth lever.
• Integrity Marketing Group: Integrity acquires and supports independent insurance agencies and IMO/FMO distribution, including life, health, and P&C. Overlap with Old Harbor is strongest on the independent life and P&C distribution aggregation model.
• Goosehead Insurance: Goosehead is a publicly traded independent personal lines agency with multi-carrier access and a sales-led, agent-driven model. Old Harbor shares the same independent model, multi-carrier quoting, and emphasis on personalized agent-led service for personal insurance.
• SmartFinancial: SmartFinancial is a tech-enabled independent personal lines agency distributing across a comparable multi-carrier platform. Direct comparison to Old Harbor on personal-lines agency distribution, online quoting, and carrier diversification.
• Leavitt Group: Leavitt Group is a privately held, partner-owned insurance agency network with similar independent multi-carrier positioning and acquisition-led growth across the Western U.S., overlapping Old Harbor's regional and product footprint.

Broad incumbents

• Brown & Brown: Brown & Brown is a large public insurance brokerage with strong West Coast operations and active M&A. Comparable as a much-larger incumbent independent brokerage serving the same P&C clients, demonstrating the exit / scale trajectory for agencies like Old Harbor.
• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management firm with active acquisition of regional agencies. Relevant as a strategic acquirer and competitor providing overlapping property/casualty placement to California and broader U.S. clients.

Emerging players

• Quotacy: Quotacy is an online life insurance brokerage distributing term, whole, and final expense policies through a multi-carrier digital platform. Comparable as a digital-first competitor in a portion of Old Harbor's life insurance product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/OldHarborIns
• YouTubeyoutube.com/channel/UCGIPBpcvfxEP5wykl_iW4vg
• Facebookfacebook.com/oldharborinsurance
• LinkedInlinkedin.com/company/old-harbor-insurance-services
• Instagraminstagram.com/oldharborinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Old Harbor Insurance Services