Renters Insurance 101: Is It Worth it? What Does It Cover?

You might not own your home, but you still have a lot of things worth protecting.

According to Hawaii News Now, approximately 43 percent of Hawaii households rent their home, and this is one of the highest rates in the country. With so many renters, there’s a great need for renters insurance. Here’s what you should know about coverage.

Home Insurance for the First-Time Home Buyer

Buying your first house is a big deal. It’s also a big responsibility. If anything breaks, there’s no landlord to call. You have to handle the repairs yourself. And it’s not just for the small things, like a leaky faucet or a door that keeps sticking. If something big goes wrong – like a fire, plumbing disaster or burglary – you need to take care of that, too. That’s why you need homeowners insurance.

Why Surety Support Is Crucial for Project Owners & Contractors

A business chooses a contractor to handle the expansion of a commercial building, but halfway through the project there is a misunderstanding, the contractor walks off the job, and the two end up fighting in court. Or a contractor prosecutes a project according to plans and specifications, but the project owner terminates the contract after a breakdown in communication, and the two end up fighting in court.

Tips for Local Restaurants to Address Gaps in Coverage

These days, restaurant owners are dealing with a host of pressures, including everything from staffing and marketing to the prospect of foodborne illnesses and recalls and the reputational risks that come with these threats.

Save Gas with These Four Driving Hacks

Living in Hawaii comes with many pluses, but the gas prices aren’t one of them. In November 2019, the average gasoline price in Hawaii was $3.661 per gallon—which was $1.058 more expensive than the national average. When you’re paying prices like that, you want to make sure you squeeze as much as possible out of every gallon. With these driving tips, you can.

Holiday Season Fire Safety

The holiday season is a time for family and tradition – and, if you’re not careful – fires. Make sure you have a happy new year by avoiding house fires during the holiday.

What Does “No Fault” Mean for My Car Insurance Payout?

In 2017, there were 6,452,000 police-reported crashes, according to the National Highway Traffic Safety Administration. That’s more than 17,000 crashes every day. These crashes are the result of various things – like speeding, drunk driving and distracted driving – and many are avoidable. In other words, many of these crashes are somebody’s fault. However, some states have what’s known as a no-fault system of auto insurance. Here’s how it works.   

CEO Message: Get Ready for Autonomous Vehicles

The relentless advances in technology make it difficult for most of us to stay current. Even the most up-to-date, well-connected members of the millennial and "z" generations must find it challenging to keep track of all of the ways that new technologies affect our lives. Even so, we've all seen advances in safety features, driver assistance and automation in the cars we are driving and soon will drive. Ultimately, many new vehicles will have the capability to drive themselves, and that eventuality may occur sooner than many realize. 

What's an Independent Insurance Agent and Why Does it Matter?

Not all insurance agents work the same way. In addition to classifying agents by the type of insurance they sell – property & casualty versus life & health, for example – agents can also be classified as either captive or independent. The arrangement makes a big difference in terms of how agents operate and the options they provide to their clients.

Do I Need UM/UIM Coverage?

Every year in the United States, more than 6 million crashes are reported to the police. Even if you’re a safe driver, the odds are high that you’ll be involved in one of these crashes at some point. To make sure any resulting medical costs and mechanical repairs are covered, you need the right auto insurance coverage. Here’s why it’s smart to include uninsured motorist/underinsured motorist (UM/UIM) coverage in your auto insurance package.

CEO Message: Why Work in Insurance?

I have noticed that there is a positive correlation between my tenure in the insurance industry and how often I am asked, “Why did you pick insurance?” In other words, the older I get, the more frequently I am asked why I picked what I did as a career choice. Perhaps those asking this question wonder why anyone would choose an industry as staid and traditional as ours. Or, these same people may wonder why someone like me (who is perceived as having a “plan” for everything) would pick insurance. Well, the truth is I didn’t pick insurance; I fell into it.

Day in the Life of an Auto Insurance Claims Adjuster

You probably don’t spend much time thinking about claims adjusters – until you need one. When that happens, you might become very curious about claims adjusters, what they do and how their work will impact your insurance claim. To give you some insight, here’s an inside look at the day-to-day work of an auto adjuster.

The Rise of Distracted Driving and What We Can Do About It

Today, we live in a fast-paced world where multitasking is the norm. Do you ever find yourself sipping coffee on your commute to work or scrolling through your email in stand-still traffic? Though these may seem like mindless acts, they both constitute distracted driving.

How to Plan an Affordable Vacation

You don’t need to deny yourself a vacation to be financially responsible. You also don’t need to destroy your budget to go on vacation. There is a happy medium. With a few adjustments, it’s possible to plan an affordable vacation.

How to Prevent Water Loss in Your Condo

We couldn’t live without water, yet too much of it – especially in the wrong place – can cause major damage. Water damage is a common cause of home and condo insurance claims. It’s a constant threat, and avoiding it requires constant vigilance.