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Personal Insurance
Flood, Hurricane, and Earthquake Insurance in Hawai'i: Are You Covered?
Standard homeowners insurance policies in Hawai'i do not cover flood, hurricane (74+ mph winds), or earthquake damage. Learn more about these coverages and questions to ask your independent insurance agent.
Insurance Articles & Resources
Business Insurance
Premium Audits Explained: A Guide for Hawaiʻi Businesses
Disclaimer: This article provides general educational information only and should not be considered professional advice or a recommendation for specific coverage. All scenarios, characters, and dollar amounts are fictitious and do not represent any actual individuals, events, or
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Personal Insurance
Protect Your Stuff: Renters Insurance Basics for Hawai‘i Residents
Picture this: Your building's sprinkler system malfunctions at 3 a.m. By morning, your couch is waterlogged, your laptop won't turn on, and your clothes smell like mildew. Without renters insurance, you're replacing everything out of pocket. With it, you file a claim and could g
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Personal Insurance
Basic Insurance Tips for College Students in Hawai‘i
You probably have thousands of dollars' worth of stuff in your dorm or apartment right now. Laptop, phone, headphones, clothes, bike, and maybe a surfboard. If all of that disappeared tomorrow, could you afford to replace it? If you’re a student, you may think insurance is somet
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Business Insurance
Insurance Essentials for Hawaiʻi Restaurants: A Practical Guide for Local Restaurant Owners
Disclaimer: This guide shares general information for Hawaiʻi restaurants. It does not create coverage, guarantees, or legal advice. Coverage terms, limits, conditions, and availability vary by policy and carrier. Always read your policy and consult your agent and, when needed,
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Tools & Resources
Tips for Detecting and Protecting Yourself Against Insurance Scams
Disclaimer: The examples provided in this article are hypothetical and are intended for illustrative purposes only. All scenarios, characters, and dollar amounts are fictitious and do not represent any actual individuals, events, or insurance claims. Readers should consult with
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Personal Insurance
From Newlywed to New Parent: When to Review Your Insurance Policies
Starting a family or altering family relationships bring new responsibilities and new risks. Whether you're newly married, buying your first home, welcoming a child, or coping with a divorce, these milestones can affect your insurance needs. In Hawai‘i, where natural hazards lik
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Disaster Preparedness
Preparing for a Disaster: How Planning and Documentation May Support Your Homeowners Insurance Claim
Living in Hawai'i means experiencing some of the most beautiful landscapes in the world. It also means facing unique natural disaster exposures, from earthquakes and hurricanes to floods and tsunamis. Before disaster strikes, it is important to understand your insurance coverage
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Practical tips, monthly.
From coverage basics to storm season prep, practical insurance resources written with Hawaiʻi in mind.
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