Hurricane Quote
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Residential Hurricane Protection
Protect what matters most with reliable hurricane insurance coverage designed for Hawaii residents. Our program is available for primary and secondary residences located at least 300 feet from the water, and offers several discount tiers for homes built in the last three years; homes built after 1994; and older, retrofitted homes. Contact your independent agent to learn more.
Reliable
Insure confidently. First Insurance Company of Hawaii is globally backed and rated “A+” by A.M. Best and Standard and Poor’s.
Flexible
Customize your coverage package to meet your personal insurance needs. Flexible full or 4-pay payment options also available.
Local
Count on our local team for responsive, knowledgeable, and proactive service.
Comprehensive
Ask about coverage that other hurricane markets don’t provide.
FAQs
Is hurricane insurance required in Hawaii?
No, hurricane insurance is not required by law in Hawaii; however, it is mandatory if you have a mortgage, as lenders will require it.
What kind of damage does hurricane insurance cover and not cover?
Check with your independent insurance agent first. However, in general, hurricane insurance covers damages resulting from hurricane-force winds and rain, but does not cover flood damage.
How are hurricane insurance premiums calculated?
The premium is based on the construction type of dwelling, the deductible, and other factors such as the age and condition of your home.