Homeowners or Condo Quote
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Condo
While your condo building’s policy covers common areas and the overall structure, condo insurance protects your unit’s interior and your personal belongings from damage, theft, and covered losses.
Building Property
Protection for the structural components of your unit, including walls, floors, cabinets, ceilings, fixtures, or any permanent attachments within the unit’s boundaries.
Personal Property
Valuables mean different things to different people. Maybe for you it’s a valuable heirloom or a new laptop. And for someone else, a DSLR camera for their photography hobby. Whatever it is, protect it from potential theft, either at your home or if you’re out and about.
Liability Protection
The unexpected is just that. Protect yourself in the event an accident occurs in or away from your home that you are responsible for — for example, if your dog gets too excited and bites a neighbor, or a friend accidentally gets hurt at your house party. Liability will cover your legal and medical expenses up to your coverage limit.
Local Service
Our local claims team sets a new standard for prompt, professional service.
FAQs
Do I need condo insurance in Hawaii?
Yes. Even if the state does not legally require it, your mortgage lender will likely require it. It also provides peace of mind as it covers your personal belongings and liability for damage or injury you cause to others, which your condo association’s master policy does not cover.
Why should I choose First Insurance for my condo insurance?
First Insurance has been serving Hawaii’s businesses and residents since 1911. As a trusted leader in Hawaii’s insurance market, we are rated A+ by AM Best.
What is an HO-6 policy and what does it cover?
An HO-6 policy is tailored to cover the exposures faced by condominium unit owners. It provides coverage for the original and upgraded structural components to the living area, personal possessions, and additional living expenses if the condominium owner is the victim of a water leak, fire, or other covered peril listed in the insurance policy that makes the unit uninhabitable. The policyholder also receives coverage for personal liability in the event that they negligently cause bodily injury to another person or property damage to items owned by other people, and for medical payments to other people who are injured while in the condominium unit.