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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
Personal Insurance
Breaking Down Your Personal Auto Policy: Terms Every Driver Should Know
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
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Personal Insurance
Optional Auto Coverages That Offer Extra Protection in Hawai'i
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
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Personal Insurance
Hawai'i’s Personal Injury Protection (PIP) Benefits Explained
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
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Personal Insurance
Flood, Hurricane, and Earthquake Insurance in Hawai'i: Are You Covered?
Owning a home in Hawai'i means living with natural hazards. Floods in Hilo, hurricanes on O‘ahu, and earthquakes on Hawai'i Island remind us that disasters can strike at any time and at any place in the state. Standard homeowners insurance does not cover these events, so many re
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Personal Insurance
Condo Insurance Made Simple: What Every Hawai'i Owner Should Know
A Honolulu condo owner spent $15,000 renovating her kitchen. When a pipe burst in the unit above and destroyed everything, she assumed her AOAO's insurance would cover it. It didn't. The master policy only covered the building structure, and she had never purchased personal cond
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Business Insurance
Top Insurance Mistakes Hawai'i Business Owners Make (And How to Avoid Them)
A Hilo man built his auto repair shop from nothing to profitability through ten years of hard work, cultivating a base of loyal customers and achieving steady growth. He carried business insurance and thought he had everything protected. Then in 2018, Hurricane Lane brought floo
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Business Insurance
Protecting Your Business Property: A Guide to Commercial Property Insurance for Hawai'i Business Owners
A local business owner thought she had her Kalihi bakery covered. Full business insurance, paid monthly, never missed a premium. Then an electrical power surge at 2 a.m. short circuited her commercial oven and walk-in cooler, spoiling all the pre-sold cakes and other perishable
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