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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
Community Corner
Island Insurance Foundation's 2025 Impact
The Island Insurance Foundation is the charitable arm of Island Insurance, Hawai‘i’s only locally owned and managed property and casualty insurance carrier. Since 2003, the Foundation has donated over $15 million to a wide array of non-profit organizations across Hawai‘i. It is r
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Personal Insurance
Simple Electrical Upgrades That Make Your Home Safer and More Insurable
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
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Personal Insurance
Understanding Plumbing Updates In Your Home: What Insurance Carriers Look For and Why It Matters
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
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Community Corner
Simple Steps for a Safer Thanksgiving
Thanksgiving in Hawaiʻi brings families and friends together for celebrations filled with food, gratitude, and local traditions. Whether you're hosting a backyard potluck-style feast or gathering indoors around the TV for the big game, the holiday creates special memories that we
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Tools & Resources
The Real Cost of Insurance Fraud: What Hawaiʻi Residents Should Know
Insurance fraud happens when someone intentionally lies or hides facts to get insurance coverage or money they do not deserve [1]. Many people think fraud only hurts big insurance companies. That is not true. Every time someone commits fraud in Hawaiʻi, it makes insurance more e
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Claims Resources
Your Complete Guide to Handling a Car Accident in Hawaiʻi: From Scene to Claim
Car accidents happen when you least expect them: during your daily commute, while running errands, or on an otherwise ordinary day. One moment you're driving normally, and the next, you're dealing with an unexpected collision that changes everything in an instant. What you do in
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Claims Resources
Workers' Compensation in Hawaiʻi: A Guide for Employees
Disclaimer: This article provides general information about Hawaiʻi's Workers' Compensation Law based on the "Highlights of the Hawaiʻi Workers' Compensation Law" pamphlet published by the Hawai‘i Department of Labor and Industrial Relations, Disability Compensation Division. Thi
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From coverage basics to storm season prep, practical insurance resources written with Hawaiʻi in mind.
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