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New Product From First Insurance Closes Insurance Gaps During Hurricane Season


Kaela Wasnich
Sr. Corporate Communications Specialist
First Insurance Company of Hawaii
(808) 277-3761


HONOLULU – First Insurance Company of Hawaii (FICOH) has launched a flexible and affordable product for Hawaii homeowners and renters this hurricane season that closes insurance gaps left by other types of coverage while simplifying claims and speeding up recovery. 

FirstTrack® provides coverage for expenses that fall below most hurricane policy deductibles, including hurricane preparation and immediate post-hurricane expenses, and does so in a way that’s different from traditional policies.

Rather than delay payments until after a lengthy claims process, FirstTrack® bases payments on two variables: Storm wind speed (as determined by the National Hurricane Center) and the proximity of the storm to the insured home. FirstTrack® pays policyholders quickly and directly after these parameters are met, covering not only property damage but the extra costs that a hurricane can bring.

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

“FirstTrack® recognizes that hurricanes are a reality for Hawaii residents,” says 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® policyholders can use claims payments to cover the high out-of-pocket costs that come with major storms, including emergency supplies, groceries, evacuation-related expenses, hurricane deductibles, debris removal, food spoilage, and lost wages.

FirstTrack® is offered exclusively by FICOH, but you do not need to be an existing FICOH customer to purchase a FirstTrack® policy. Homeowners and renters can purchase FirstTrack® coverage, which is intended to supplement – not replace – standard hurricane insurance.

To learn more about FirstTrack®, 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 $675.4 million, liabilities of $409.3 million, and policyholders’ surplus of $266.1 million as of December 31, 2019.

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 more than 350 insurance professionals and distributes its products through 26 independent general agencies. First Insurance was named one of Hawaii’s Best Places to Work for 2019 by Hawaii Business magazine. It was also awarded the American Heart Association’s Workplace Health Gold Achievement for 2019.

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