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FirstTrack® Expands Affordable Coverage Offerings Ahead of Hurricane Season


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

HONOLULU – As hurricane season (June through November) begins, First Insurance Company of Hawaii (FICOH) is expanding its offerings for FirstTrack®, a simple, affordable policy that offers Hawaii residents quick payouts in the event of a tropical storm or hurricane. Hawaii residents can get coverage starting at just $45 per year. 

“As we continue to ride out the COVID-19 pandemic, we believe it’s more important than ever to make hurricane coverage affordable for local families and to offer them flexibility,” said Jeff Grimmer, vice president of FICOH. “Our FirstTrack® policyholders can use their payout to cover out-of-pocket costs including emergency supplies, groceries, evacuation-related expenses, hurricane deductibles, debris removal, food spoilage and lost wages.”

FirstTrack® is available to both renters and homeowners. Unlike a traditional hurricane insurance policy, only economic loss is required. Damage to a FirstTrack® policyholder’s home is not a pre-condition to receive a payment. With FirstTrack®, payments are based on the proximity of the storm’s track to the insured’s home and the category of wind speed determined by the National Hurricane Center. 

For example, during Hurricane Douglas on July 26-27, 2020, Honolulu County residents with a $5,000 FirstTrack® policy limit received a claim payment of $500, or 10%. Maui and Kauai County residents with the same policy limit received $1,000, or 20%, since the storm came closer to shore. Policyholders can use these payments at their own discretion to help offset the cost of hurricane preparation, deductibles and repairs.

FirstTrack® is offered exclusively by FICOH, but you do not need to be an existing FICOH customer to purchase a FirstTrack® policy. With annual limits of $1,000-$25,000, FirstTrack® is intended to supplement – not replace – standard hurricane insurance. To learn more and see how other storm scenarios would affect your potential payout, please visit

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.

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