Hawaii Home Insurance

A rather endearing little saying says a house is built of walls and beams; a home is built with love and dreams. Home insurance may not be able to do much about your loves and dreams but it is essential that you invest in the same to protect those walls and beams.

Home Insurance in Hawaii is essentially :-

A legal, binding contract between the policy holder and the Delaware home insurance company An agreement for fiscal protection against disaster in exchange for premiums payable every month or a 6 months depending on the contract. Protection for home, domestic belongings and other structures on the insured's property Protection against one's expenses incurred in case he/she suffers a loss and has to search for another residence. Since Hurricane Iniki in 1992 a lot of home insurance policies do not include hurricane insurance in its scope. These days there are two ways you can avail of hurricane insurance. You could buy a separate hurricane policy or you could buy a combined policy that includes hurricane insurance.

Two policies

Most insurance companies and agents offer two different policies. One policy protects against loss due to damage caused by fire, theft, vandalism, non-hurricane wind damage and liability, among other covered causes of loss.

The second policy protects against fiscal loss due to hurricanes. This coverage is usually triggered by the issuance of a hurricane watch or warning by the Central Pacific Hurricane Center, and includes damage occurring within 72 hours following cancellation of the watch or warning. Typically, the hurricane policy carries a separate deductible, which ranges between 1-5% of the sum your home is valuated at.

Until recently, insurance companies providing two policies received hurricane coverage through the Hawaii Hurricane Relief Fund (HHRF). However, the HHRF stopped providing policies in December 2000, as there are now numerous sources of private coverage available.

One Policy

In other cases, you will get one policy that covers all kinds of casualties, including hurricane. In this case, there will still be two different articles, one for hurricane and one for all other causes of loss. When taken as a whole, the coverages that you get may not be much dissimilar to the one mentioned above. However, the same insurance company will be liable to settle all of your claims.

Hawaii Home Insurance Types: Home insurance in Hawaii is extended to all kinds of homes. The various types of home insurance available in Hawaii are:-

Homeowners : This policy protects homes owned by the policy holder and includes personal property and liabilities. Dwelling Fire policies also cover tenant occupied homes, the building structure of the home and contents that are specified in the policy.

Condominium Owners: Protects owner's condominium and includes the individual's belongings and liability.

Mobile Homeowners: Protects mobile homes inhabited by policy holder and also includes personal material possessions and liabilities.

Renters: Covers policy holder's rented home.

Here is a list of insurance companies that provide home insurance in Hawaii:-

AAA Hawaii

1130 N Nimitz Hwy Rm A170

Honolulu, HI 96817

(808) 550-4650

Aflac

1132 Bishop St Ste 2101

Honolulu, HI 96813

(808) 521-3522

Aflac Benefits by Design

1136 Union Mall

Honolulu, HI 96813

(808) 526-4440

Allstate Insurance

1314 S King St Ste 752

Honolulu, HI 96814

(808) 593-8342

Allstate Insurance

1806 S King St Ste 32

Honolulu, HI 96826

(808) 941-2886

American Mutual Group

1357 Kapiolani Blvd Ste 1000

Honolulu, HI 96814

(808) 522-8650

American Pacific Insurance Company

Honolulu, HI 96813

(808) 545-2454

First Hawaiian Bank

Honolulu, HI 96813

(808) 525-6280

First Hawaiian Insurance

Honolulu, HI 96813

(808) 643-4344

First Hawaiian Insurance Inc

999 Bishop St

Honolulu, HI 96813

(808) 525-6280

Guardian

Honolulu, HI 96813

(808) 553-8445

Hawaiian Insurance & Guaranty Company Limited

1001 Bishop St Ste 500

Honolulu, HI 96813

(808) 536-2777

MetLife Financial Services

1099 Alakea St Ste 1500

Honolulu, HI 96813

(808) 537-5433

National Interstate Insurance

1001 Bishop St Ste 600

Honolulu, HI 96813

(808) 536-3366

Primerica

2828 Paa St

Honolulu, HI 96819

(808) 834-2808

Primerica

3049 Ualena St Ste 101

Honolulu, HI 96819

(808) 833-5880

State Farm

1040 S King St Ste 105

Honolulu, HI 96814

(808) 596-0551

State Farm

1451 S King St

Honolulu, HI 96814

(808) 949-1233

State Farm

2615 S King St Ste 203

Honolulu, HI 96826

(808) 955-2628

Prudential Financial

1100 Alakea St

Honolulu, HI 96813

(808) 566-6777

Prudential Financial

725 Kapiolani Blvd

Honolulu, HI 96813

(808) 591-6606