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Tips & Articles


FICOH Associate Celebrates 50 Years with the Company

We’re kicking off the New Year celebrating a special milestone. On January 11th, FICOH associate Maggie Hayes marked 50 years of service with First Insurance Company of Hawaii.

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Commercial vs. Personal Auto Insurance – When Do Small Business Owners Need Commercial Coverage?

Auto insurance policies typically fall into one of two broad categories: commercial or personal. If you use a vehicle for business purposes, you need commercial insurance. If you use it for personal purposes, personal insurance should do. It sounds simple – but it’s often not.

The line between personal and commercial usage can become blurry, especially for small business owners. Here’s how to determine what type of coverage you need.

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Kick Off 2021 With an Insurance Coverage Checkup

Everyone has their favorite New Year’s tradition, their own special way of saying goodbye to the old and ringing in the new. It’s the perfect time to reflect on where we’ve been and where we’re going.

It’s also the perfect time to make sure your financial house is in order, including a review of your insurance coverage. In fact, if an annual insurance coverage checkup isn’t already one of your time honored traditions, you should make it one starting this year.

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FICOH Donates More Than $775,000 to Local Charities

In 2020, First Insurance Company of Hawaii (FICOH) donated more than $775,000 to 71 local nonprofit organizations.

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Renters Insurance: Why It Is Important to Keep Your Coverage in Uncertain Times

The COVID-19 pandemic is stretching longer than anyone ever anticipated, and with the economic downturn, many people are trying to save money any way they can, including with their insurance policies. Here is why it is important to keep as much of your coverage as possible while we navigate through these uncertain times:

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Donated Cars Give Two Oahu Families a Boost

In the spirit of the holiday season, First Insurance Company of Hawaii teamed up with several local companies to gift two Oahu families with refurbished vehicles.

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How to Insure Against Damages Related to Climate Change

You have a lot to think about every day. Between worries about bills, work, health, relationships and other pressing issues, you might not have a lot of time to focus on climate change. That could be a mistake. Although it’s easy to ignore a threat that isn’t immediate, natural disasters do appear to be increasing in frequency and severity, and this trend could have a very direct, very devastating impact on you and your family. Take some time to consider the risk – and to make sure you have the right insurance coverage.  

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New Home Buyers Beware: Check the Property’s Flood Risk

If you’re shopping for a home in Hawaii, you would be wise to give serious consideration to the property’s flood risk. And be warned – relying on the flood zone designation may not be enough, and you might not be told about the property’s risk. Here’s what homebuyers need to know.  

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How to Prevent and Put out Kitchen Fires

A burned dinner isn’t the worst thing that can happen when you’re cooking. Kitchen fires are the leading cause of home fires. According to the NFPA, U.S. fire departments respond to 172,900 home fires involving cooking equipment each year on average. You can avoid a disaster by knowing how to prevent and put out kitchen fires.

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How to Respond to Positive COVID-19 Cases in the Workplace

Businesses are coping with a wide range of challenges in the face of the COVID-19 pandemic, including what to do should an employee get sick. The fact is you never know if and when an employee may test positive for COVID-19, which is why it’s important to cement a plan ahead of time.

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If Someone is Injured at Your Home, Will Your Renters or Homeowners Insurance Cover It?

Your homeowners insurance policy does more than protect your house and its contents. It also protects you from lawsuits. Homeowners insurance policies typically include personal liability coverage. Here’s what you need to know about this important coverage type.

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Personal Insurance: Truth or Lie?

If you enjoy playing “Two Truths and A Lie,” you’ll love this new personal insurance primer. It dispels several common myths people really believe about insurance. These misconceptions can be costly, so grab your spouse, your friends and your family members and test your collective insurance knowledge. Can you tell the difference between insurance trusts and lies?

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FirstTrack Simplifies Hurricane Insurance Coverage

You know the drill. When a hurricane is headed toward Hawaii, you get stocked up on supplies and get your home ready to withstand the storm. Then you wait – and hope.

Even if the storm doesn’t cause major damage, you’ll probably incur some costs for emergency supplies, missed work, cleanup or repairs.  

Traditionally, these costs might not have been covered by your insurance policies. Now that’s changing. FirstTrack is a new supplemental hurricane insurance policy designed for Hawaii residents. It closes insurance gaps left by other types of coverage while simplifying claims and speeding up recovery.

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Traffic Safety: Hands-Free Is Not Risk-Free

When you’re behind the wheel, one second can make the difference between life and death. To avoid potentially deadly accidents, you need to give the road your full attention. That means no texting while driving – but it also means a lot more than that. Here’s why going hands-free may not be enough.

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Hurricane Season Prep Tips for Hawaii Homeowners

Hurricane activity is off to an early start in 2020. Be sure you’re prepared for the next big storm by following these prep tips from FICOH.

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