Hawaii Home Insurance
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Helpful Information about Hawaii Home Insurance
What It Covers
Hawaii home insurance typically covers these three areas:
- Damage from fire, windstorm and other natural disasters
- Theft of personal property
- Legal liability for damage or injury you or a family member cause others
The Choice Is Yours
Your choices in Hawaii home insurance are many, so examine the following categories to see which type fits your situation best:
Basic Form (HO-1)
Insures your home and its contents against certain perils such as fire or smoke damage, windstorms, hail, explosions, bodily injury, medical payments, and vandalism and malicious mischief.
Broad Form (HO-2)
Insures against perils in the HO-1 policy, as well as against falling objects; weight of ice or snow; damage resulting from an accidental discharge or overflow of water from within a plumbing, heating or air conditioning system, or automatic fire sprinkler system; and electrical damage to appliances.
Special Form (HO-3)
The standard and most-widely-used policy. Covers your home for all risks of physical loss except those specifically excluded. Also offers coverage for loss of your home's contents.
Tenant's Broad Form (HO-4)
Insures against damage to an apartment's contents and against personal liability suffered in the insured's unit.
Comprehensive Form (HO-5)
Protects your home against the same perils as HO-3, in addition to covering your personal possessions for all risks of physical loss, except those specifically excluded. The most comprehensive and expensive policy.
Special Condominium Form (HO-6)
Provides the same coverage as HO-4, but used in insuring condominiums.
A licensed Hawaii home insurance agent can help you determine which type and how much home insurance you need.
Home Inventory
It is important to create a list of items you own and any relevant information pertaining to them in case of loss. This is known as a "home inventory." Filing a Hawaii home insurance claim is much quicker and easier if you have this information on hand.
Tips for making your home inventory include:
- List every item of value in your home.
- Include all identifying model and serial numbers.
- Keep all receipts, along with item descriptions.
- Update your inventory periodically as you acquire new items.
- Keep your list in a safe location outside your home.
If you ever experience a theft or loss, your home inventory can help you rest easy, knowing you've done everything possible to prepare for such an event.
Be sure to contact your Hawaii home insurance company immediately to report any loss.
Loss Prevention
Preventing losses before they occur goes a long way toward knowing your home and possessions stay protected with your Hawaii home insurance coverage.
Take these steps to minimize and prevent possible losses:
- Install heat and smoke detectors near sleeping areas in your home.
- Check all lamps, electrical cords and light switches for faulty wiring.
- Practice home fire drills and make sure all family members know exactly what to do in case of fire.
- Install adequate locks on all outside-facing doors in your home.
- Keep matches away from children.
- Keep your home or apartment clear of trash and combustible materials.
Ready to compare quotes?
Don't spend a lot of time making calls and surfing the Internet in your search for the right Hawaii home insurance policy. Contact InsureMe today for quick, affordable quotes from leading insurers.
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