Homeowners Insurance Policy, Personal Umbrella Policy

No matter how careful you are, major accidents can happen to even the most responsible people. In the unfortunate event that an accident results in severe bodily injury or property damage to another party, your current auto or homeowners insurance may not provide you or your family with adequate liability protection. If your current policy liability limits are exhausted, you may be faced with paying the difference from your hard earned savings and without a personal umbrella policy, a potentially large judgment could impact your current assets as well as possible future earnings and inheritances.

With premiums starting as low as $150 annually, you can obtain a substantial amount of additional protection with coverage limits ranging from $1 million to $5 million. As coverage limits increase per increments of $1 million, your per dollar premium cost will decrease providing you with greater value.

Obtaining a Personal Umbrella Policy with Island Insurance does not require both auto and homeowners insurance policies with Island, although we do require the other carrier to be "A-"or better for financial strength by A.M. Best. If you do choose to have both policies with Island, you will be rewarded with the lowest rate on Personal Umbrella insurance.

Always Here to Help
Island Insurance's financial strength and long-standing commitment to the people of Hawaii means we will be Always Here to Help with the value and local service you've come to know as the Island Advantage.

  • Founded in downtown Honolulu in 1939, Island Insurance is Hawaii's largest locally-owned and managed property & casualty insurance company.
  • Rated "A" (Excellent) by A.M. Best, the world's oldest and most authoritative insurance company financial ratings organization.
  • Recognized as a Top 50 Property & Casualty Insurance company in the nation by the Ward Group for five consecutive years.

Superior Claims Service
We know how important your home and belongings are and if you were to experience a loss, our knowledgeable local claims staff is Always Here to Help. Our 24-hour claims service and 98% claims satisfaction rating means we will be there every step of the way to make sure your claim is resolved quickly and efficiently.

Flexible Payment Plans
For your convenience, we offer flexible and convenient auto insurance payment plans to fit your budget needs.

  • Bill-payment-by-phone via debit or credit card
  • Debit or Credit card payments (VISA, MasterCard or DiscoverCard)

To find out how much you could save with an Island Insurance Homeowners policy or for more information about our discounts and coverages, contact an independent insurance agent or click here to find an agent on Oahu, Maui, the Big Island or Kauai.