Protect Your Property with Confidence

Coverage for Homes, Condos, Rentals & More

Whether you own a home, live in a condo, or rent an apartment, your space deserves to be protected. We help you find property insurance that covers more than just the structure. Your belongings, liability, and peace of mind are all part of the plan. And because we’re local, we understand the risks Hawaii homeowners face, including severe storms and flooding.

Coverage Types We Offer

A black and white drawing of a house with a key hanging from the roof.

Homeowners Insurance

Protect your house, belongings, and personal liability under one policy.

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Condo Insurance

Customized coverage for condo owners, including interior damage and personal items.

A black and white drawing of a key on a white background.

Renters Insurance

Affordable protection for your personal property and liability, even if you don’t own your home.

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Hurricane Insurance

Specifically designed for wind-related damage, a must-have in Hawaii.

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Flood Insurance

Coverage for water damage caused by flooding, essential for low-lying areas.

Questions About Property Insurance? We’ve Got Answers

  • Is homeowners insurance required in Hawaii?

    Technically, homeowners insurance isn’t mandated by law in Hawaii, but if you have a mortgage, your lender will almost always require it. Even if you're mortgage-free, coverage is strongly recommended to protect against the financial fallout of events like theft, storm damage, fire, or personal liability claims. With Hawaii’s unique weather patterns and natural risks, being uninsured puts your home and savings at serious risk.

  • What’s the difference between homeowners & condo insurance?

    Homeowners insurance is designed for stand-alone houses and generally covers the structure itself, the contents, and liability. Condo insurance, on the other hand, usually only covers the interior of your unit and your personal belongings, since the building structure is typically covered by a master policy held by the condo association. We’ll help you understand the specifics of what you need based on where you live.

  • Do I need separate policies for flood damage?

    Yes. Most standard homeowners or condo insurance policies do not include flood coverage, even in high-risk areas. In Hawaii, where flooding is a real concern, it’s important to consider a separate policy to ensure your property is fully protected. We’ll help you review your location and risk factors so you can make the right choice for your home and budget.

  • Can renters get insurance even if the landlord has coverage?

    Definitely, and they should. A landlord’s policy covers the building, but it doesn’t extend to your personal belongings or liability as a renter. Renters insurance is affordable and can protect your items from damage, theft, and loss. It also covers you in the event someone is injured in your rental space. It’s a small cost for major peace of mind.

  • What does a typical property insurance policy cover?

    A standard policy usually includes protection for the physical structure (in the case of homeowners), personal property, liability if someone is injured on your property, and additional living expenses if your home becomes unlivable due to a covered event. We’ll walk you through your options to make sure you’re not left with gaps in coverage.