Protect Your Home With Hawaii Homeowners Insurance
Hawaii is home to more than 1.4 million people who live across the state’s 137 islands.
2 Living in a vacation destination can be beautiful, but being in the middle of the Pacific Ocean means often dealing with natural disasters. If you call the Aloha State home, you know these can cause major damage on your island. On top of that, you have to worry about regular property damage that can happen from everyday life, like a tree falling on your shed or a fire starting in your kitchen. We can help when these unexpected situations happen, protecting your home and personal property with Hawaii
homeowners insurance.**
Standard Hawaii Home Insurance Coverages
When it comes to homeowners insurance, Hawaii residents have several coverages to help protect their homes. These can help you pay to repair or replace your property if it’s damaged.**
While policies differ from one insurance company to another, a standard home insurance policy includes:
Dwelling coverage to help protect your home and the structures attached to it, including your plumbing system, walls and floors.
Personal property coverage to help pay to fix or replace your belongings if they’re damaged by a covered loss. This includes your furniture, appliances and clothing. If you have very valuable items, you can buy more coverage to help protect them.
Personal liability coverage which helps protect you if someone who isn’t a resident of your household is injured on your property and you’re found legally responsible. It also helps provide for your legal defense against a lawsuit claiming you damaged someone else’s property.
Other structures coverage, which helps protect structures on your property that aren’t directly attached to your home, like a shed or detached garage.
Medical payments coverage would help if someone gets hurt on your property. If they trip on your front steps and break their leg, your home insurance policy can help pay their medical bills, up to your policy limits.***
ProtectorPLUS Zero Deductible benefit, which waives up to $5,000 off your base homeowners insurance deductible if there is over $27,500 in damages.
Additional Homeowners Insurance for Hawaii Homeowners
We offer optional insurance coverages and packages to help you create a customized Hawaii homeowners insurance and increase your protection.
If you’re worried about major damage to your home, you can add our Full Replacement Cost benefit. This can help cover the cost to rebuild your home up to 125% of your coverage limits if it’s a total loss. Hawaii allows this option to provide up to 150% of coverage limits.3
Our Sentinel Packages are ideal if you want extra protection for certain coverages on top of your base policy.4 These packages add:
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Credit card forgery and counterfeit money coverage increased limit, raising your limit to $1,000 following losses from forgery, counterfeit money, unauthorized use of the insured persons’ credit card, and more.
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Refrigerated property coverage to help provide an additional $500 of coverage for refrigerated products stored. This helps cover losses caused by mechanical failure or an interruption of electrical services to the refrigeration unit.
The Sentinel Silver Package includes all of the features of the Sentinel package plus it adds:
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“New for Old” Protection for help replacing your destroyed belongings with new ones of the same quality.
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Reimbursement for replacing locks, increasing the limit to $500 and including a $100 deductible.
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Refrigerated property coverage, which increases your limit to $1,000.
Hawaii sees a lot of hurricanes and other major storms, which can lead to flooding. Standard home insurance policies don’t cover flood damage. So, you may want to get
flood insurance to help protect your home and personal belongings.
Hurricane Season & Hawaii Homeowners Insurance
Hurricane season in Hawaii starts in early June and continues through November.5 Preparing for hurricane season ahead of time can make the process much easier if you have to file a claim.
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Prepare for the worst. Identify shelters in your area and create an evacuation plan. Put together an emergency prep set with bottled water, a first-aid kit, cash, flashlights and batteries. Install storm shutters or cover your windows before a hurricane hits.
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Take inventory of your property. Create an inventory of your personal belongings by taking photos and videos of your home. Move important documents to a safe location.
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Review your insurance coverage. Make sure you know what your policy covers. If you need to make changes, work with your homeowners insurance company or an insurance agent.
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File a claim. If there’s damage to your home or property, start your claim as soon as possible after the storm. Take photos and videos of the damage. If you’re hiring contractors to make repairs, do your research and request bids.
Protect your property from damage resulting from hurricanes and other losses with homeowners coverage from The Hartford. You can work with an insurance agent to help get the right coverage for your home.
Is Hurricane Insurance Required in Hawaii?
Most banks require homeowners in Hawaii to have insurance that covers hurricanes, fire and wind damages in order to get a mortgage. So, most homeowners insurance policies include hurricane damage coverage.
How Much Is Home Insurance in Hawaii?
According to the Insurance Information Institute (III), in 2016, the average home insurance in Hawaii cost $1,026, slightly less than the national average of $1,192. Different factors affect home insurance rates and your total will vary depending on factors like the size of your home and its location.
We can help you get the right coverage to protect your home in Hawaii. Our team consistently gets high marks for customer service and we’re here to help you find ways to save, like bundling your home insurance policy with your car insurance.* Get a
home insurance quote today and find out how much your Hawaii homeowners insurance cost will be.
*** Medical benefits are calculated on the basis of usual, customary and reasonable charges.
3 The Hartford will pay the full cost to rebuild your home, even if it costs up to 125% of your home insurance policy’s coverage.
4 This package is ideal for customers who want extra protection, above their base policy, for certain coverages, such as: Replacement cost contents coverage, enhanced personal liability coverage and personal injury coverage.