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CABRILLO COASTAL GENERAL INSURANCE

Specialty residential property insurance for catastrophe-exposed coastal areas across 11 US states.

Established
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Overview

Cabrillo Coastal General Insurance Agency is a specialty property insurance managing agency headquartered in Gainesville, Florida. Founded in 2010 and operating as part of Cabrillo Holdings, LLC, the company focuses exclusively on personal and commercial residential property insurance for catastrophe-exposed markets -- coastal and hurricane-prone areas frequently underserved or declined by standard admitted carriers.

The company administers two carrier brands: US Coastal Property & Casualty Insurance Company (Florida-domiciled) and US Coastal Insurance Company (New York-domiciled), distributing through independent agents across 11 states including Alabama, California, Delaware, Florida, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Texas.

Cabrillo Holdings is jointly owned by the McNitt family (54.68% via Cabrillo Intermediate Holdings, LLC) and RenaissanceRe Ventures US LLC (45.32%), connecting the company to a leading global catastrophe reinsurer. In 2025, US Coastal sponsored the Chartwell Re Ltd. Series 2025-1, a USD 330M 144A catastrophe bond -- one of the largest ever issued by a Demotech-rated carrier -- demonstrating sophisticated capital markets access for a regional specialty insurer.

Products & Services

Homeowners Policy (HO3 and HO3-DIC)

All-risk residential property coverage for primary homes in coastal and hurricane-prone markets. The HO3-DIC (Difference in Conditions) variant supplements California FAIR Plan policies. Covers fire, lightning, wind, theft, personal property, liability, and temporary living expenses. Available in AL, CA, DE, FL, MS, NJ, NY, NC, RI, SC.

Dwelling Fire Policy (DP3 and MDP1)

Coverage for seasonal, secondary, and rental residential properties up to four units. Available in FL, MS, NJ, NY, RI.

Manufactured Homeowners Policy (MHO3)

Comprehensive coverage for manufactured and mobile homes including fire, lightning, vandalism, water damage, wind, personal property, and loss-of-use. Available in FL.

Condominium Unit Owners Policy (HO6)

Covers condo unit contents, permanently attached items, and loss assessment coverage required by many condo associations. Available in AL, DE, FL, NJ.

Commercial Property Policy (CPP)

Building, contents, and business income coverage for homeowner associations and small commercial property entities in coastal areas. Available in FL, TX. Key Platform Features:

Key Features

  • 24/7 no-login payment portal and online claims reporting
  • Policyholder mobile app and web portal for policy management
  • Producer portal for independent agents
  • Online claims status tracking
  • Reported average hold times under 10 seconds during major catastrophes

At a Glance

Founded
2010
Headquarters
Gainesville, Florida, USA
Employees
51-200

Category & Focus

Customers

  • Coastal homeowners in hurricane-prone states (primary market)
  • Seasonal, vacation, and secondary property owners
  • Landlords with rental residential properties (up to 4 units)
  • Manufactured home owners
  • Condominium unit owners
  • Homeowner associations and small commercial property owners

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Last updated: 2026-05-11