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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
Business Insurance
Business Insurance in Hawaiʻi: Understanding Exclusions in Your Insurance Policy
Insurance policies aren't designed with exclusions to leave business owners under protected, but a power outage that wipes out your perishable inventory, a storm that forces you to close, or a customer’s credit card information that is stolen when your point of sale system is co
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Personal Insurance
Insurance Agencies and Carriers in Hawaiʻi: What's The Difference?
Most people don't think about insurance until something goes wrong. A fender bender on H-1, a burst pipe, a roof claim after a storm. In those moments, you're probably not thinking about policy numbers. You're thinking: is someone going to help me? The answer often depends on tw
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Business Insurance
Premium Audits Explained: A Guide for Hawaiʻi Businesses
Disclaimer: This article provides general educational information only and should not be considered professional advice or a recommendation for specific coverage. All scenarios, characters, and dollar amounts are fictitious and do not represent any actual individuals, events, or
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Personal Insurance
Protect Your Stuff: Renters Insurance Basics for Hawai‘i Residents
Picture this: Your building's sprinkler system malfunctions at 3 a.m. By morning, your couch is waterlogged, your laptop won't turn on, and your clothes smell like mildew. Without renters insurance, you're replacing everything out of pocket. With it, you file a claim and could g
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Personal Insurance
Basic Insurance Tips for College Students in Hawai‘i
You probably have thousands of dollars' worth of stuff in your dorm or apartment right now. Laptop, phone, headphones, clothes, bike, and maybe a surfboard. If all of that disappeared tomorrow, could you afford to replace it? If you’re a student, you may think insurance is somet
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Business Insurance
Insurance Essentials for Hawaiʻi Restaurants: A Practical Guide for Local Restaurant Owners
Disclaimer: This guide shares general information for Hawaiʻi restaurants. It does not create coverage, guarantees, or legal advice. Coverage terms, limits, conditions, and availability vary by policy and carrier. Always read your policy and consult your agent and, when needed,
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Tools & Resources
Tips for Detecting and Protecting Yourself Against Insurance Scams
Disclaimer: The examples provided in this article are hypothetical and are intended for illustrative purposes only. All scenarios, characters, and dollar amounts are fictitious and do not represent any actual individuals, events, or insurance claims. Readers should consult with
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