Safe Harbor Insurance
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Safe Harbor Insurance
Safe Harbor Insurance is a locally-owned agency that combines small town service with big city variety to find you the very best personalized coverage. Serving the San Juan Islands and all of the Pacific Northwest since 1980. We've been helping the San Juan Islands community and all of Washington (and eleven other states!) compare and save on insurance since 1980.

As an independent insurance agency, we work for you, not the insurance carriers. That means we can help you find the best value on auto insurance, home insurance, business insurance, and more from several of Washington's most trusted carriers. Get the insurance you need at a price you can afford.
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Safe Harbor Insurance is an independently owned and locally operated insurance agency in Friday Harbor, Washington. As islanders, we know that one of the greatest things about our community is the way we all come together to support each other, in good times and bad. Whether a client is a lifelong resident or has never set foot on our islands, we strive to give that same personal touch that can only be found in a small town.
Leo has been with Safe Harbor since 2003, and has been a part of the Friday Harbor community for more than 40 years. He and his wife, Chris, moved back to the home of his alma mater to raise their three children in 1999. Leo values service to his community, time with his friends and enjoying this beautiful place he calls home.
It's no secret that word spreads quickly in a small town-and word-of-mouth is our most effective way of growing our business! Your referrals are extremely valuable to us, so we want to thank you by giving back to the community we all love. We're passionate about supporting local charitable efforts.
Because independent insurance agencies, like Safe Harbor Insurance, represent a number of different insurance companies, and can compare coverage and prices to find the best possible value for your individual circumstances. As independent agents, we are members of the Friday Harbor community, and we're committed to doing business face-to-face and being your advocate in times of need.
Safe Harbor Insurance is an independent insurance agency, which means we do business with multiple insurance companies and compare protection and prices to find the best value for you. We're not computers or salespeople - we are real, live members of the San Juan Islands community, and we're committed to being your advocate in times of need.
Reviews (16)
Suzanne Franklin
Suzanne Franklin
Sep 21, 2021
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Positive: Responsiveness
Juan is our agent and he is wonderful. Juan is super responsive, watches over our account, and is always available if we have questions. Its great to have local representation who understands our specific circumstances and needs. We are very happy with Safe Harbor Insurance.
MargaretAnne Hartman Sullivan
MargaretAnne Hartman Sullivan
Apr 27, 2021
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They are super helpful and made getting our policy in place very quick and easy.
Turn Pt Properties San Juan Island
Turn Pt Properties San Juan Island
Mar 25, 2021
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Always on top of it! Been working with Juan for years and greatly appreciate him.
Gary Lape
Gary Lape
Nov 15, 2019
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Doing business with Safe Harbor has been one of my easiest relationships when it came to managing our rental property in Friday Harbor. Safe Harbor billing was always straight forward. Their knowledge about the island was very useful: When part of the roof blew off our rental house in FH, they recommended a tradesman equally fair and skilled to repair it. I never stressed out, knowing Safe Harbor was there to help me in all kinds of ways if catastrophe struck.
Diane Olshefsky
Diane Olshefsky
Sep 14, 2017
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We have been doing insurance business w Safe Harbor for 15 years. They r professional, knowledgeable, and helpful even when they could not provide us with specialty insurance. We readily recommend them.
Jeff Sarantopulos
Jeff Sarantopulos
Aug 17, 2017
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Juan has always given us excellent service. He is quick to reply to questions and work for our benefit. I recommend Safe Harbor and in particular Juan Umpingo.
Jennifer Rigg
Jennifer Rigg
Dec 09, 2016
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When your family purchased Safe Harbor, I switched all of my polices over to you and I have been so impressed by your knowledge and caring. Each agent has really taken the time to answer questions or concerns regarding all of my policies. Recently I had questions about my family's policies (that are not with your company) and you still took the time to help me out and advise me on how to help my family. I couldn't be happier with the service, professionalism and expertise I have experienced with Safe Harbor. Thank you for all you do!
Anne Moore
Anne Moore
Nov 25, 2016
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The Safe Harbor agents provide clear, detailed explanations of their policies and alternatives to fit different insurance needs and concerns. As a nonprofit, we consider their expertise to be critical our success and very reassuring in an area that can be quite confusing.
Elizabeth Wingren
Elizabeth Wingren
Nov 15, 2016
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We have been very happy the service and insurance products we have received working with Safe Harbor Insurance. We have confidence in their insurance products. We have worked with two agents, and they are easy to reach and are responsive to questions.
Stephanie Boortz Fowler
Stephanie Boortz Fowler
Oct 18, 2016
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I appreciate that anytime I call with a question, I can get it answered in a very timely manner. Your office is always polite and knowledgeable. I feel secure having our auto, farm, and homeowners insurance with you.
Travis Stanley-Jones
Travis Stanley-Jones
Oct 14, 2016
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Incredibly quick and personal service every time I've needed it for the past 15 years
Maclaine Sorden
Maclaine Sorden
Oct 11, 2016
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Juan Unpingco is a great agent that cares to personally relate to his client(s) and let them know he is there to give them the best options for their circumstances. He is very deliberate and detail oriented with explaining why particular quotes break down the way they do and is happy to offer his own insight. I was very satisfied with our meeting and would be happy to recommend Safe Harbor Insurance to a friend or new islander.
Jayson Schmidt
Jayson Schmidt
Oct 10, 2016
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You are always very responsive in a professional manner while also working with my busy schedule. In addition you have been very competitive when comparing to other insurance agencies which is also great. Thanks for the hard work!
Bill Giesy
Bill Giesy
Sep 28, 2016
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Leo bought a house through me! And has always given prompt and accurate service. I highly recommend Leo and his team at Safe Harbor.
Susan Sterner
Susan Sterner
Aug 05, 2016
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We have always had a very positive experience with Safe Harbor Insurance. Leo has always been available when we needed him and if he happens to be busy the staff is more than willing to help.
It isn't often we have found such a reliable agency who can handle all our needs.
Gary and Susan Sterner
Kim Lambie
Kim Lambie
Jul 04, 2016
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Juan always returns my calls and is always responsive to my questions about coverage. Juan found the best price on boat insurance and car insurance. We have the best carriers for our needs thanks to Juan.