Homeowners Insurance Hawaii

Protect Your Home With Hawaii Homeowners Insurance

Hawaii homeowners insuranceHawaii 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 seguro de viviendas.**

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:
La cobertura de vivienda to help protect your home and the structures attached to it, including your plumbing system, walls and floors.
La cobertura de propiedad personal 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.
La cobertura por responsabilidad civil 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 $32,000 in damages.

Additional Homeowners Insurance for Hawaii Homeowners

Hawaii home insuranceWe 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:
  • 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.
  • 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:
  • “New for Old” Protection for help replacing your destroyed belongings with new ones of the same quality.
  • Reimbursement for replacing locks, increasing the limit to $500 and including a $100 deductible.
  • 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  seguro contra inundaciones 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.
Esta four-step hurricane preparedness process from the Hawaii Department of Commerce and Consumer Affairs can help.6
  1. 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.
  2. 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.
  3. 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.
  4. 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.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.