Privacy Policy
Effective Date: March 2026
Harbor Insurance Agency
150 Cypress Commons Way, Suite A
Chocowinity, NC 27817
Email: bryan@harbor-ins.com
Phone: (252) 495-0168
Harbor Insurance Agency ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website harbor-ins.com and use our services.
Information We Collect
We may collect the following types of personal information when you interact with our website or request our services:
- Contact Information: Name, phone number, email address, and mailing address
- Insurance Information: Details submitted through quote request forms, including property addresses, vehicle information, coverage needs, policy numbers, and claims history
- Demographic Information: Date of birth, marital status, and other details relevant to insurance underwriting
- Website Usage Data: IP address, browser type, pages visited, and time spent on pages (collected via cookies and analytics tools)
How We Use Your Information
We use the personal information we collect for the following purposes:
- To provide insurance quotes, policy recommendations, and related services
- To communicate with you regarding your inquiries, policies, and account
- To process applications, claims, and policy changes with insurance carriers
- To send service-related communications such as renewal reminders and policy updates
- To improve our website, services, and customer experience
- To comply with legal and regulatory obligations
Third-Party Sharing
We do not sell your personal information. We may share your information with the following third parties solely for the purposes described:
- Insurance Carriers: We share the information you provide with insurance carriers and underwriters for the purpose of obtaining quotes, binding coverage, and servicing your policies.
- Service Providers: We may use third-party vendors who assist with website hosting, analytics, and business operations. These providers are contractually obligated to protect your data.
- Legal Requirements: We may disclose your information when required by law, regulation, or legal process.
Cookies and Analytics
Our website uses cookies and similar tracking technologies to enhance your browsing experience and analyze website traffic. We use Google Analytics to collect anonymized usage data including pages visited, time on site, and referral sources. You can manage cookie preferences through your browser settings. Most browsers allow you to block or delete cookies, though this may affect website functionality.
Data Retention
We retain your personal information for a minimum of seven (7) years in accordance with North Carolina insurance regulations and industry record-keeping requirements. After the retention period, data is securely deleted or anonymized.
Your Rights
You have the right to:
- Access: Request a copy of the personal information we hold about you
- Correction: Request that we correct any inaccurate or incomplete information
- Deletion: Request that we delete your personal information, subject to legal and regulatory retention requirements
To exercise any of these rights, please contact us at bryan@harbor-ins.com. We will respond to your request within 30 days.
Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.
Children's Privacy
Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.
Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.
Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us:
Harbor Insurance Agency
150 Cypress Commons Way, Suite A
Chocowinity, NC 27817
Email: bryan@harbor-ins.com
Phone: (252) 495-0168