Our beautiful weather might provide a false sense of security when evaluating the risk of flooding, but Hawaii can be susceptible to bouts of heavy rain, flash flooding, and ocean surges due to high surf. Property owners who live in designated flood zones are certainly more prone to this risk, but 25% of flood insurance claims occur in low- to moderate-risk flood areas, meaning any home can be in danger of damage from flood conditions like sudden rushing water, mudflow, wave action and water overflow.
Most standard homeowners, condo unit-owners, and renters insurance policies do not cover flood damage. Flood insurance is a separate policy that can cover your home, your belongings, or both in unfortunate flood situations.
Please fill out the form below and we’ll contact you about your flood insurance needs.
Some restrictions, terms and conditions apply. The descriptions above contain general summaries of available insurance coverages and are not a statement of contract. All insurance coverages are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. For more information on Hawaii insurance coverages, please contact your insurance agent.