Protecting your home and belongings requires choosing the right insurance policy. For many homeowners in Hawaii, this entails implementing hurricane insurance along with a standard homeowner’s policy. Mutual Underwriters helps local clients find the right policies for their needs. They can also help you understand the difference between different types of insurance, including homeowners and hurricane coverage.

Homeowners Insurance Coverage

A standard homeowners policy will typically cover any damage that occurs to your house and belongings. It can also provide personal liability protection for any injuries or property damage involving third parties. When it comes to hurricanes, coverage is limited. In some cases, homeowners policies will provide funding for things like wind damage, but they generally fall short of offering comprehensive protection.

Hurricane Insurance Coverage

In the event your homeowners policy does cover some hurricane damage, your deductible will be based on a percentage of the total costs of any damage incurred by the hurricane. Accordingly, deductibles can range from 3% to 5%, depending on the details of the policy. You can still opt for hurricane coverage to ensure your home remains fully protected.

It should be noted hurricane insurance will not cover damage caused by flooding should it occur. In this case, you’ll need a flood insurance policy to cover water damage associated with a hurricane. Depending on where you live, flood insurance can be a great supplement to more traditional policies, especially during those times of the year when inclement weather is likely.

With almost six decades of industry experience, Mutual Underwriters can assist clients all over Hawaii in finding a comprehensive and affordable insurance policy. Visit them online to find one of their five convenient office locations in Waipahu, Kona, Maui, Hilo, and Honolulu. You can also call (808) 532-2888 to speak to a friendly and knowledgeable service representative.