Personal Insurance

Imagine this scenario - a Honolulu condo owner returned from a two-week vacation to find water throughout her unit. A washing machine hose had burst while she was gone, flooding her unit and seeping into two units below. Water damaged flooring, cabinets, and drywall across three ...

A Kailua family thought they had everything covered. Their home carried $300,000 in liability coverage, and their cars had $300,000 per person Bodily Injury Liability coverage limits. Then their annual New Year's party turned into a nightmare. A guest slipped on their wet lanai d ...

If you’re a Hawai'i resident with a vehicle, having auto insurance is required by law. You have auto insurance, but what does everything mean? Understanding your auto insurance policy can help you make better decisions about your coverage to keep you adequately protected on the r ...

Hawai'i law requires all vehicle owners to carry minimum auto insurance coverage [1]. These mandated coverages address basic needs, but they have limits. Optional coverages fill the gaps. For more information about Hawai'i's required auto insurance minimums, see our article.This ...

Understanding Hawai'i's No-Fault InsuranceHawai'i law mandates that all drivers carry Personal Injury Protection (PIP) coverage. If you drive without proper insurance identification in your car, you'll face tickets and fines under state law [1]. Under Hawaii Revised Statutes Sect ...

Natural Risks in Hawai'iOwning a home in Hawai'i means living with natural hazards. Floods in Hilo, hurricanes on Oahu, and earthquakes on Hawai'i Island remind us that disasters can strike at any time and at any place in the state. Standard homeowners insurance does not cover th ...

A Honolulu condo owner spent $15,000 renovating her kitchen. When a pipe burst in the unit above and destroyed everything, she assumed her AOAO's insurance would cover it. It didn't. The master policy only covered the building structure, and she had never purchased personal condo ...