Personal Umbrella Insurance - Island Insurance | Island Insurance

Personal Umbrella Insurance

Oahu and Neighbor Islands

Speak with an agent Monday to Friday,
8am – 4:30pm

What is Umbrella insurance?

Personal Umbrella Insurance, also known as excess liability insurance, provides additional liability protection above and beyond your current auto and property (homeowners, condo or renters) policies. Without an umbrella policy, if an accident results in severe bodily injury or property damage and your current policy’s insurance limits are exhausted, your personal assets and future earnings could be at risk.

Why Choose Island?


For less than a dollar a day, you can obtain a substantial amount of additional protection with coverage limits ranging from $1 million to $5 million. As coverage limits increase per increments of $1 million, your per dollar premium cost will decrease, providing you with greater value.

Island Roots

When you choose an Island Personal Umbrella Policy you’ll receive 100% local servicing from Hawaii’s only locally-owned property and casualty (P&C) insurance carrier. With Island Insurance, you’re supporting local people and keeping your money working in Hawaii. Island roots. Island values. Island Insurance.

Top Rated Insurance

Plus, you’ll have peace of mind knowing your personal umbrella policy is backed by the financial strength of an insurer with over 80 years of serving Hawaii’s families, ranked in the top 2% of P&C insurers in the nation, and rated “A” (Excellent) by A.M. Best.

Looking for More Insurance Protection?

Island offers auto policies to fit your needs, in addition to property and commercial insurance. For maximum savings, our Island Package Bundle is the best value!

Island Auto Policy
Protection You Can Count On

You’ll be well protected with an Island Auto Policy, which features a wide variety of coverages and limits that can be tailored to your preferences. Whatever level of protection fits you best, from minimum requirements to maximum peace of mind, Island has an auto policy that’s just right for you.

Homeowners Insurance
Lucky You Live Hawaii

It’s important that your homeowners insurance policy has the right coverages to protect you, your home and your valuables.

Island Package Bundle
Auto + Property = More Savings

Bundling truly is better! When you combine your Island auto insurance with a companion home, condo or renters policy, you unlock another level of savings with the Island Package Bundle. More protection. More convenience. More value.

Ready to Learn More?

Please fill out the form below and we’ll contact you about your 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.