Personal Insurance

 When was the last time you thought about the wiring behind your walls? If you're like most homeowners, the answer is probably "never," until something goes wrong. That hidden electrical system does more than keep your lights on. It directly affects your home's safety and may imp ...

 Has your insurance company or insurance agent ever asked you questions about your property’s plumbing conditions? These questions aren't just for paperwork, they help assess your property's condition and potential water damage risk. Keeping records of your plumbing updates can s ...

 Imagine this scenario - a Honolulu condo owner returned from a two-week vacation to find water throughout her unit. A washing machine hose had burst while she was gone, flooding her unit and seeping into two units below. Water damaged flooring, cabinets, and drywall across three ...

 A Kailua family thought they had everything covered. Their home carried $300,000 in liability coverage, and their cars had $300,000 per person Bodily Injury Liability coverage limits. Then their annual New Year's party turned into a nightmare. A guest slipped on their wet lanai ...

 If you’re a Hawai'i resident with a vehicle, having auto insurance is required by law. You have auto insurance, but what does everything mean? Understanding your auto insurance policy can help you make better decisions about your coverage to keep you adequately protected on the ...

 Hawai'i law requires all vehicle owners to carry minimum auto insurance coverage [1]. These mandated coverages address basic needs, but they have limits. Optional coverages fill the gaps. For more information about Hawai'i's required auto insurance minimums, see our article.This ...

 Hawai'i law mandates that all drivers carry Personal Injury Protection (PIP) coverage. If you drive without proper insurance identification in your car, you'll face tickets and fines under state law [1]. Under Hawaii Revised Statutes Section 431:10C-103.5, every motor vehicle in ...