FICOH's latest news and announcements.

First Insurance Offers Supplemental Coverage for Hurricanes and Tropical Storms

FirstTrack® Claims are Paid Based on the Strength and Proximity of the Hurricane, Not Damage Sustained


Kaela Wasnich, Sr. Corporate Communications Specialist
First Insurance Co. of Hawaii
(808) 527-7388

HONOLULU – With three months left in the current hurricane season, First Insurance Company of Hawaii (FICOH) encourages local residents to use this opportunity to review their insurance and prepare for the next big storm.

In addition to securing the critical protection offered by homeowners, flood and standard hurricane insurance, Hawaii residents can now increase their preparedness with FirstTrack, a supplemental hurricane policy that closes gaps left by other types of coverage. Hawaii homeowners and renters can purchase a FirstTrack policy starting at just $45 per year. 

With FirstTrack, payments are based on the proximity of the storm’s track to the insured’s home and the category of wind speed as determined by the National Hurricane Center. Actual property damage is not a precondition for coverage to apply. When a hurricane or storm triggers coverage, FirstTrack pays out quickly, and covers all out-of-pocket costs including groceries, evacuation-related expenses, hurricane deductibles, debris removal, food spoilage and lost wages.

“Hurricanes are a reality for Hawaii residents,” said Jeff Grimmer, vice president of FICOH. “Whether there is a major hurricane event, or a minor hurricane brush, there are expenses associated with preparing beforehand and recovering afterwards that other insurance policies may not take into account or adequately cover.”

FirstTrack offers policy limits of $1,000 to $10,000 (in increments of $1,000), $15,000, $20,000 and $25,000. To calculate potential FirstTrack payouts based on policy limit, storm strength and proximity, visit and check out the online calculator tool.

The following FirstTrack examples represent a range of covered scenarios:

  • Renter – Stacy rents an apartment in Hilo and has coverage at the $15,000 level. A tropical storm reaches radius 1 in proximity to her home. Stacy is unaffected by the hurricane, but still receives $7,500 only days after the storm to help her pay for pre-hurricane expenses.
  • Homeowner – Gilbert, a homeowner in Hawaii Kai, has coverage at the $25,000 level. During hurricane season, a category 3 hurricane reaches radius 1 – close enough to his home that it sustains damage. Gilbert quickly receives $20,000, which he plans to use for immediate repairs and to offset the deductible on his traditional hurricane insurance policy.
  • Hurricane Douglas – When Hurricane Douglas brushed Hawaii in July 2020, residents in Honolulu County with a $5,000 FirstTrack policy limit received an automatic claim payment of $500, while Maui and Kauai County residents with the same policy limit received $1,000 since the storm came closer to shore.

Residents do not need to be an existing FICOH customer to purchase FirstTrack coverage. For more information, or to purchase a FirstTrack policy, visit, call (808) 527-7213 or contact an independent insurance agent.

About First Insurance Company of Hawaii

Founded in 1911, First Insurance Company of Hawaii, Ltd. is the oldest and largest property and casualty insurer domiciled in Hawaii, with assets of $666.4 million, liabilities of $399.5 million, and policyholders’ surplus of $266.8 million as of December 31, 2020.

First Insurance, a member of the Tokio Marine North America (TMNA) group of companies, enjoys an “A+” rating from A.M. Best Co. Proud of its broadly experienced, service-oriented staff, First Insurance employs 300 insurance professionals and distributes its products through 26 independent general agencies. First Insurance was awarded the American Heart Association’s Workplace Health Gold Achievement for 2020. In 2021, First Insurance was named Hawaii’s number one Best Places to Work in the "large company" category by Hawaii Business magazine.

Follow First Insurance on Twitter, Facebook, and Instagram.