Seaview Insurance Company is a small California insurer. The company started in 1993. The main office sits in Carlsbad, California. Seaview writes auto insurance for high-risk drivers, commercial trucking, bail bonds, and a special type of home insurance called Difference in Conditions. Most of the business stays inside California and Texas.

Is it a good choice? It depends on who you are. If a big insurer like Geico or State Farm turned you down, Seaview may say yes. If you have a clean record and live outside California, you have better choices.

This review covers everything you need to know. The facts come from the company website, the California Department of Insurance, the Better Business Bureau, Demotech, and real Google reviews. No guesses. No filler.

Key Facts at a Glance

Detail	Information
Founded	June 18, 1993
Headquarters	1000 Aviara Parkway #300, Carlsbad, CA 92011
Auto Claims Office	2501 West Grandview Road, Phoenix, AZ 85023
Owner	Pat Kilkenny (majority owner)
Financial Rating	Demotech A (Exceptional)
NAIC Group Number	10004
States Served	Mainly California and Texas
BBB Accredited	No
Sister Companies	Aegis Security Insurance, Triton General Insurance Agency
Google Rating (Phoenix office)	1.3 stars (13 reviews)

A Quick Story About Who Seaview Helps

Picture two drivers in California.

The first driver has one DUI from three years ago. He calls Geico. They quote him $480 a month. He calls State Farm. They will not write him at all. He calls Progressive. They quote $410. Then his agent mentions Seaview. The quote comes back at $260.

That is who Seaview is for. Drivers the big names do not want.

The second driver has a perfect record. She has never had a ticket. She wants to bundle home and auto. Seaview is not for her. She should pick a national carrier with bundling discounts.

Keep these two pictures in your mind as you read. The right insurer depends on who you are. general support.

Who Owns Seaview Insurance Company?

The owner is Pat Kilkenny. He has worked in insurance for 40 years.

His story matters because it tells you what kind of company Seaview really is. In the 1980s and 1990s, Pat built a small agency called Arrowhead General Insurance into a near-billion-dollar business. He sold it in 2006. After that, he ran sports at the University of Oregon for two years. Then in 2011, he started K2 Insurance Services. That company also grew fast and sold to private investors in 2019.

Pat still owns Seaview today. He also owns two related companies: Aegis Security Insurance and Triton General Insurance Agency. These three companies often work together. When you buy a Seaview personal auto policy in California, you usually buy it through a Triton agent.

Why does this matter for you? It means Seaview is part of a small group of connected companies. It is not a giant like Allstate. It is not run by faceless investors either. One person owns it, and he has run insurance companies for four decades.

What Insurance Does Seaview Sell?

Seaview is a specialty insurer. That means they pick a few areas and stay focused. They do not try to sell every type of insurance.

Here is what they actually sell as of 2026:

1. Personal Auto Insurance for High-Risk Drivers (California Only)

This is for drivers other companies turned down. Maybe you have a DUI. Maybe you let your old policy lapse. Maybe you have several tickets. Standard insurers do not want you. Seaview will often write you. The price is not always cheap, but it beats driving without coverage.

You buy this through a Triton General agent, not directly from Seaview.

2. Commercial Trucking Insurance

This is one of Seaview’s biggest products. They write commercial auto and inland marine for truckers in California. Owner-operators and small trucking fleets are the main customers.

3. Bail Bond Insurance

Seaview backs bail bond agents. The day-to-day service runs through Aladdin Bail Bonds. Aladdin operates in California, Nevada, Utah, Idaho, Washington, Texas, Ohio, and South Carolina.

4. Property Insurance (Difference in Conditions)

This is a special type of home insurance. It fills gaps in your normal homeowners policy. Earthquake coverage and flood coverage are the main reasons people buy it. This is not a full homeowners policy. You still need a regular one too.

5. Dwelling Fire

For dwelling fire claims, you contact Allied American at seaview@alliedamericanusa.com or call (888) 722-1511.

What Seaview Does NOT Sell

People often ask, so here is a clear list. Seaview does not sell:

• Health insurance
• Life insurance
• Standard homeowners insurance
• Renters insurance
• Pet insurance
• Business owners’ policies (BOP)

If you need any of these, look elsewhere.

Seaview Insurance Phone Number and Contact Info

This is one of the most-searched topics about Seaview. Here is the verified contact information.

Main Office

1000 Aviara Parkway #300 Carlsbad, CA 92011

Personal Auto Claims Office

2501 West Grandview Road Phoenix, AZ 85023

Filing a Claim Online

The fastest way to file a claim is through the official portal:

• Personal Auto: svinsco.com/auto-claims
• Trucking: svinsco.com/trucking-claims
• Property: svinsco.com/property-claims

Phone Numbers

Phone numbers vary by product line and the agency that services your policy. Always check your policy paperwork for the right number.

For dwelling fire claims specifically, contact Allied American at (888) 722-1511 or email seaview@alliedamericanusa.com.

For all other claims, log in to svinsco.com and use the contact details listed for your specific product. Phone numbers from third-party listings change often, so trust your policy documents over Google search results.

Seaview Insurance Payment and Online Login

Seaview does not have one single payment portal that covers every customer. This confuses a lot of policyholders. Here is why.

Seaview policies are serviced by different agencies depending on the product. Personal auto policies in California go through Triton General Insurance Agency. Trucking policies have their own billing setup. Bail bonds go through Aladdin.

To pay your bill or log in:

1. Find your policy declarations page (the paperwork you got when you bought the policy).
2. Look for the agency name and the billing contact at the top of the document.
3. Use that agency’s website or phone number to make payment.

If you cannot find your paperwork, call the agent who sold you the policy. They will direct you to the right payment portal.

This setup is not user-friendly. National carriers usually have one website where you log in for everything. Seaview does not work that way. It is a real downside of buying from a small specialty insurer.

How Much Does Seaview Insurance Cost?

This is the question everyone asks. Here is the honest answer: Seaview does not publish prices, and no one outside the company can give you a real average.

Anyone who tells you “Seaview costs $122 a month” is making it up. Insurance prices depend on your age, your driving record, your zip code, your car, and your coverage limits. A clean 40-year-old in San Diego pays one price. A 22-year-old with a DUI in Los Angeles pays a totally different price.

What we can tell you is how Seaview tends to compare for high-risk California drivers:

• Cheaper than: Bristol West, The General, Dairyland (in many cases)
• About the same as: Infinity, Mercury (for borderline risks)
• More expensive than: Geico, State Farm, Progressive (when those companies will write you)

The only way to get a real Seaview quote is through a Triton General agent or another independent agent who works with Seaview. Online quote tools do not give Seaview rates directly.

Is Seaview Insurance Financially Stable?

This question matters because a weak insurer might not pay your claim.

Here is what the public record shows:

• Demotech Rating: A (Exceptional)
• NAIC Group Number: 10004
• California Status: Admitted carrier

What does this mean in plain English? An “A (Exceptional)” rating from Demotech means the company has a strong ability to pay claims. Demotech is a recognized rating agency. They focus on smaller and specialty insurers that are not always rated by AM Best.

One thing to know: Demotech ratings are not the same as AM Best ratings. You cannot directly compare a Demotech “A” to an AM Best “A.” They use different scales.

Bottom line: Seaview is not a giant, but it is financially stable for its size.

The 2018 Problem You Should Know About

This is something you will not find on Seaview’s own website. But it is part of the public record, and you deserve to know.

In August 2018, the California Department of Insurance issued a Notice of Non-Compliance against Seaview. You can read the original document on insurance.ca.gov.

What did the state say? Two main things:

1. Seaview’s bail bond business did not have clear rules for who got what rate.
2. Seaview’s bail bond business did not have clear rules for collateral requirements.

This was not a fraud case. It was not a refusal to pay claims. It was a paperwork and process problem. The state wanted Seaview to write down its rules. Seaview had not done so in a way the state liked.

What does this mean for you as a buyer in 2026? Two things:

1. Seaview has had operational gaps in the past. The company is not perfect.
2. The state caught it and required fixes. The system worked.

If you are buying a bail bond product, ask your agent directly: “What are your eligibility guidelines and collateral rules in writing?” If they cannot give you a clear answer, that is a red flag.

What Real Customers Say About Seaview

This is the part of the review that matters most. We pulled this from real Google reviews and the Better Business Bureau profile.

Google Reviews — Phoenix Claims Office

The Phoenix, AZ claims office at 2501 West Grandview Road has a 1.3-star rating from 13 Google reviews as of April 2026. That is one of the lowest ratings you will see for any insurance office in the country.

Here is what real customers say.

Alejandro Garcia (1 star, 6 months ago): “Seaview insurance is completely unprofessional. They never answer their phone, I’ve been redirected over 10 times, and every call is just a runaround. I’ve left multiple voicemails and not one has been returned. If this is how they treat customers, I can only imagine how they’d handle something important. Stay away.”

Erika Figueroa (1 star, a year ago): “Horrible insurance company! Don’t expect anything good from them. I’ve stayed in communication with them the whole process of our car repair…”

These reviews match what we see on the Better Business Bureau record. The pattern is clear and consistent.

Better Business Bureau Numbers

Seaview is not BBB Accredited. The BBB profile shows:

• 19 complaints filed
• 12 cases where Seaview did not respond to the BBB
• BBB file opened on August 7, 2023

The “did not respond” pattern is the bigger concern. A complaint is one thing. Ignoring the BBB is another.

What People Complain About

The same problems show up over and over across Google reviews and BBB complaints:

Slow claims. People wait weeks for an answer. Some wait longer.

Hard to reach a person. Phones go to voicemail. Voicemails do not get returned. One reviewer said they were redirected over 10 times.

Coverage surprises. Some customers say they were told something is covered, then learned at claim time that it was not.

Confusion between companies. Seaview, Triton, and Aegis all share parts of the process. Customers get bounced between them.

What People Like

The praise is shorter but real:

Price for high-risk drivers. When other companies say no or quote crazy numbers, Seaview often beats them.

Willingness to write hard risks. Truckers and high-risk auto drivers find a home here when nowhere else will write them.

Some good agents. A few customers mention specific Triton agents who helped them through tough situations.

My Honest Read

After 16 years covering banking and insurance, I have seen many small insurers with mixed reviews. The pattern with Seaview is clear: the underwriting works, but the claims service does not match the price. Customers who get a great rate at the front end often pay for it with frustration on the back end.

Seaview vs. The Real Competition

Comparing Seaview to Allstate or Geico does not help you. They are different markets.

Here is how Seaview stacks up against companies that actually compete with it:

Seaview vs. Mercury Insurance

Feature	Seaview	Mercury
Main customer	High-risk drivers	Standard drivers
States	CA, TX	11 states
Price	Often lower for hard risks	Often lower for clean records
Rating	Demotech A	AM Best A

Who wins? If Mercury will write you, take Mercury. If they will not, Seaview is a real option.

Seaview vs. Bristol West (Farmers)

Both write high-risk auto. Bristol West has a bigger company behind it (Farmers Insurance Group). Bristol West also writes in more states. Seaview wins when its price comes in lower for your specific California profile.

Seaview vs. Infinity Insurance (Kemper)

Infinity is a bigger non-standard auto carrier and writes in more states. Seaview is more California-focused. Get quotes from both. Take the cheaper one if coverage is similar.

Seaview vs. The General

The General writes everywhere and advertises a lot. Their prices for very high-risk drivers can be high. Seaview often beats them on price for California risks. The General has a more polished app and tech stack.

Seaview vs. Farmers Insurance

Farmers is a national carrier. They do not directly compete with Seaview. Farmers writes standard drivers, full bundles, and offers nationwide coverage. Seaview only writes specialty risks in California and Texas. Different leagues.

How to File a Claim with Seaview

The process is different for each type of insurance. Here is what to do for each.

Personal Auto Claim

1. Go to svinsco.com/auto-claims or call the number on your policy card.
2. Have your policy number ready.
3. Write down the date, time, and location of the accident.
4. Take photos. Get a police report if there is one.
5. The Phoenix office handles your file from there.
6. An adjuster calls you within a few days.

Trucking Claim

1. Go to svinsco.com/trucking-claims.
2. Trucking has more paperwork. Have your bills of lading, DOT logs, and CDL information ready.
3. Document any cargo damage with photos.

Property Claim

1. Go to svinsco.com/property-claims.
2. For dwelling fire specifically, email seaview@alliedamericanusa.com or call (888) 722-1511.
3. Get repair estimates before signing anything.

How to Avoid the Problems Real Customers Complain About

Based on the Google and BBB reviews above, here is what works:

Write everything down. Every call. Every name. Every promise. Date and time. This protects you.

Submit photos right away. Do not wait. The first few days matter most.

Follow up in writing. If an adjuster says something on a call, send an email asking them to confirm. “Per our call today, you said X. Please confirm.”

Escalate early. If five business days pass with no contact, call your agent. Do not wait two weeks.

Keep all your policy documents. Save the PDF. Print a copy. Know exactly what you bought.

These five steps fix most of the problems people complain about online.

Should You Buy Seaview Insurance?

Here is the simple test.

Buy Seaview if you:

• Live in California and other companies turned you down
• Run a small trucking business in California
• Are a California bail bond agent
• Need Difference in Conditions home coverage in California

Skip Seaview if you:

• Live outside California or Texas
• Have a clean driving record (you can do better)
• Want to bundle home and auto
• Want a polished mobile app
• Need life, health, or pet insurance

It really is that simple. Seaview wins in a narrow lane. Outside that lane, other companies are better.

Seaview Insurance Company Quotes: How to Get the Best Rates

Getting a quote from Seaview Insurance Company is simple. You can visit their official website and enter your information to see rates that fit your needs. On average, full coverage auto insurance from Seaview costs around $122 per month, which is close to the U.S. average of $119. For minimum coverage, rates start near $47 per month, similar to the national average of $45. Comparing Seaview quotes with other providers helps you find the best option for your budget.

Seaview also offers discounts to help reduce costs. You may qualify for savings through safe driving, bundling multiple policies, or being a good student. These discounts can lower your overall premium, and having more than one policy with Seaview may increase the savings.

The company, founded in 1985, continues to improve its services with tools like the Seaview mobile app, which allows you to manage your insurance, file claims, and access documents quickly. Knowing these features can help you get the most value from your policy and make the insurance process easier and more convenient.

Seaview Insurance Company: Market Position and Reputation

Seaview Insurance Company, founded on June 18, 1993, has built a reputation for focusing on customer service and continuous improvement. The company invests in new technology and staff training to provide better support and more efficient insurance services.

From 2016 to 2020, Seaview demonstrated financial stability. In 2016, it paid out $2.85 million in dividends, and by 2018, dividends were $2.03 million. In 2020, the company wrote $16.05 million in premiums, with $15.28 million from California alone, highlighting its strong presence in key markets.

Seaview continues to respond to customer feedback to improve its services. The company has expanded strategically, including forming Seaview Re Ltd, which allows it to retain more risk internally and reduce costs. These moves, combined with a positive outlook and solid market performance, help Seaview maintain its position as a trusted insurance provider.

Frequently Asked Questions

Who owns Seaview Insurance?

Pat Kilkenny is the majority owner and Chairman of the Board. He has worked in insurance for 40 years. He also owns Aegis Security Insurance Company and Triton General Insurance Agency.

When was Seaview Insurance founded?

June 18, 1993. The company is over 30 years old.

Where is Seaview Insurance located?

The main office is at 1000 Aviara Parkway #300, Carlsbad, California 92011. The personal auto claims office is at 2501 West Grandview Road, Phoenix, Arizona 85023.

What is Seaview Insurance’s NAIC number?

Seaview’s NAIC group number is 10004. You can verify this on the NAIC and Demotech websites.

Is Seaview Insurance admitted in California?

Yes. Seaview holds a Certificate of Authority from the California Department of Insurance. They can legally write 16 lines of insurance in the state.

Does Seaview Insurance have a mobile app?

No. As of April 2026, Seaview does not offer a consumer mobile app. You handle claims through the website or by phone. Some review sites incorrectly say they have an app. They do not.

What is Seaview Insurance’s phone number?

Phone numbers depend on the product. The dwelling fire line is (888) 722-1511. For all other policies, check your policy declarations page, because numbers vary by the agency that services your policy.

How do I make a Seaview Insurance payment online?

Seaview does not have one central payment portal. Your payment website depends on which agency services your policy. Check your policy paperwork for the correct payment link, or call the agent who sold you the policy.

What is Seaview’s BBB rating?

Seaview is not BBB Accredited. The BBB profile shows 19 complaints with 12 unanswered.

What is Seaview’s Google review rating?

The Phoenix claims office has a 1.3-star rating from 13 reviews on Google as of April 2026. Most complaints involve unreturned calls and slow claims.

Is Seaview the same as Aegis Insurance?

No. They are separate companies. They share an owner (Pat Kilkenny) and work together on some products. But they are not the same legal entity.

How do I get a Seaview Insurance quote?

You cannot get a quote directly from Seaview’s website. You need to contact a Triton General agent or another independent agent who writes Seaview policies. Most California high-risk auto shoppers get Seaview quotes through agents who shop multiple non-standard carriers.

Does Seaview insure trucking outside California?

Their core trucking book is in California. They are admitted there for commercial auto and inland marine. Coverage in other states depends on the specific product and may run through sister companies.

How long does a Seaview claim take?

Auto claim times vary widely based on how complex the loss is. Simple claims with clear fault and good documentation move faster. Expect 2 to 4 weeks for routine auto claims, longer for trucking or disputed claims. Customer reviews often cite slower-than-average response times, so plan accordingly.

Is Seaview Insurance cheap?

For high-risk California drivers, often yes. For standard drivers, no. Compare quotes from at least three companies before deciding.

What happens if Seaview cancels my policy?

If Seaview cancels you, you receive written notice with the cancellation date. In California, the company must give specific advance notice depending on the reason. If you receive a cancellation, contact your agent immediately and start shopping for replacement coverage. Driving without insurance in California is illegal and expensive.

Is Seaview Insurance the same as General Insurance?

No. “General Insurance” and “The General” are separate companies. The General is a national non-standard auto insurer owned by American Family. Seaview is a California-focused specialty insurer owned by Pat Kilkenny. People search both names because both serve high-risk drivers.

Is Seaview Insurance related to Farmers Insurance?

No. Farmers is a national carrier owned by Zurich Insurance Group. Seaview is a small, privately owned California specialty insurer. The two companies are not connected. People sometimes search them together because both write some California coverage.

Does Seaview Insurance write policies in San Diego?

Yes. Seaview’s main office is in Carlsbad, just north of San Diego. They write personal auto, trucking, bail bonds, and DIC property coverage throughout San Diego County and the rest of California.

What are the top 3 insurance companies in the US?

By auto insurance market share, the top three are State Farm, Geico, and Progressive. Allstate is fourth. These four giants write most of the personal auto policies in the country. Seaview is much smaller and focused on a specialty niche.

Which is the No. 1 insurance company?

State Farm is the largest auto insurer in the United States by market share. By total premiums across all lines (life, health, P&C combined), other companies like UnitedHealth Group and Berkshire Hathaway are larger. The “No. 1” depends on what you measure.

Who is the top 5 insurance company in the world?

By premiums written, the largest global insurers include UnitedHealth Group, Ping An Insurance (China), Allianz (Germany), AXA (France), and China Life Insurance. The list shifts year to year. None of these are direct competitors to Seaview.

Who owns Mutual Insurance Company?

“Mutual Insurance Company” is not one company. It is a structure. A mutual insurance company is owned by its policyholders, not by shareholders. Examples include State Farm, Liberty Mutual, and Northwestern Mutual. When you buy a policy from a mutual insurer, you become a part-owner. Seaview is not a mutual company. It is a privately held stock company.

Which insurance company denies the most claims?

There is no official ranking that names a single worst company. Smaller and specialty insurers tend to have higher complaint rates than national giants, simply because they write harder risks. Large national carriers like State Farm, Geico, and Allstate generally have lower denial rates because they write mostly standard risks.

Final Verdict

Seaview Insurance Company is a small, specialty insurer with a clear job. They write coverage for California drivers and businesses that bigger insurers do not want. They have done this since 1993. They are financially stable. They have a real owner who has spent his life in the insurance business.

They also have real problems. The 2018 California Department of Insurance notice showed weak internal processes. The BBB record shows a pattern of unanswered complaints. Google reviews on the Phoenix claims office sit at 1.3 stars. Customers consistently cite slow claims and poor communication.

If you are the right customer for Seaview, none of that disqualifies them. Document everything. Use a good independent agent. Save copies of every email. Push hard if a claim stalls. Customers who do this usually get a fair outcome.

If you are a clean-record driver who could buy from Geico or State Farm, walk past Seaview. They are not built for you.

Sources

1. Seaview Insurance Company official website — svinsco.com (accessed April 2026)
2. California Department of Insurance, Notice of Non-Compliance, August 2018 — insurance.ca.gov
3. Better Business Bureau Profile — bbb.org
4. Demotech Company Profile — demotech.com/company/10004/
5. Crunchbase Profile — crunchbase.com/organization/seaview-insurance-company
6. Google Reviews, Seaview Insurance Phoenix Office (April 2026)

About the Author

MD Shahinuzzaman Pro Financial Blogger

Hello, this is Shahin Zaman. I am a full-time financial blogger with 16 years of experience in the banking and insurance industry. I research every company I write about by going straight to primary sources: official websites, state insurance department filings, BBB records, financial rating agencies, and real customer reviews. I do not accept payment from the companies I review.

If you spot an outdated detail or have a correction, please contact me. I update this page when readers send me better information.

Last fact-check: April 26, 2026 Next scheduled review: October 2026

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