Tell us your situation
A ten-minute conversation about what you own, who depends on you and what keeps you up at night.
We started in a two-room office in 1994 with one belief: people deserve to understand exactly what they are buying before they sign.
Anyone can sell a policy. We measure ourselves on the day you need to use one.
The person who wrote your policy answers your calls — with a direct line and a real name.
Our renewal increases have averaged under 3% a year for the last decade, and we publish the numbers.
Leave whenever you like. Unused months are refunded pro-rata within five business days.
A ten-minute conversation about what you own, who depends on you and what keeps you up at night.
One page. What is covered, what is not, and the exact monthly figure. No asterisks buried in footnotes.
Your documents arrive the same day, and your named advisor stays with your account year after year.
A pipe burst two days before Christmas. Harborline had an assessor at the house that afternoon and money in our account before New Year. I still cannot quite believe it.
I run a small bakery. My advisor walked the shop floor, spotted risks I had never considered and still quoted less than my old insurer. Five years on, I have never looked back.
After our daughter was born we finally sorted life insurance. The advisor explained every option without a hint of pressure. We signed the same week, entirely at our own pace.
Someone went into the back of me on the freeway. I sent six photos from the roadside and the claim was approved before I had finished my coffee at home.
