The top-rated condo insurance agent in Kailua-Kona, Hawaii is Nakoa Kai Insurance Professionals: Allstate Insurance, rated 4.9 stars across 110 reviews. Other highly rated options include First American Title Company, Inc., Penn Henderson - Big Island Hawaii Real Estate, Matt DeMille - State Farm Insurance Agent. This directory lists 13 condo insurance agents serving Kailua-Kona.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Nakoa Kai Insurance Professionals: Allstate Insurance | 75-167 Hualalai Rd Ste 101 | (808) 326-1125 |
| 2 | First American Title Company, Inc. | 75-240 Nani Kailua Dr Suite 1 | (808) 329-4431 |
| 3 | Penn Henderson - Big Island Hawaii Real Estate | 75-170 Hualalai Rd Suite #D118 | (808) 345-6214 |
| 4 | Matt DeMille - State Farm Insurance Agent | Hale Ku'i Plaza, 73-4976 Kamanu St #201 | (808) 331-1113 |
| 5 | Title Guaranty Kona | 75-5660 Kopiko St B3 | (808) 329-6666 |
| 6 | Lance Matsumura - State Farm Insurance Agent | 75-240 Nani Kailua Dr APT 12 | — |
| 7 | Aloha Insurance Services Inc | 75-5931 Walua Rd #100 | (808) 334-0044 |
| 8 | Keinnen Kato - State Farm Insurance Agent | 75-5722 Kuakini Hwy # 210 | (808) 327-5433 |
| 9 | Hawaiian Hurricane Group LLC | 75-5706 Hanama Pl # 203 | (808) 498-4270 |
| 10 | Atlas Insurance Agency | 75-167E Hualalai Rd | (808) 329-4844 |
Nakoa Kai Insurance Professionals: Allstate Insurance serves the Hilo, Hawaii area, specializing in condo insurance for local property owners. The agency assists clients in securing coverage that protects their individual units and personal belongings. Policies are tailored to address the specific risks associated with island living, including volcanic activity, hurricane winds, and tsunami threats. Available coverage options often include loss assessment protection, building property upgrades, and liability coverage for common-area incidents. The company handles claims assistance for unit repairs and also offers renters insurance for tenants with property in this region.
First American Title Company, Inc. serves Kailua-Kona in Hawaii County as a local condo insurance agent. The company assists condo owners with policies that protect their individual units and shared building structures common in this area. It helps clients understand coverage needs related to oceanfront properties and higher windstorm risks. Among its specific services, it handles standard HO-6 condo insurance policies and can help assess additional flood coverage options for units near the coast.
Operating throughout Kailua-Kona and the surrounding Big Island communities, Penn Henderson - Big Island Hawaii Real Estate serves as a condo insurance agent for local property owners. It handles policies tailored specifically for condominium units, addressing both individual interior coverage and common area liability concerns common to island developments. The agency approaches each client’s situation by first assessing the unique risk factors of their specific condo complex, then matching coverages to fit the building’s association requirements and the owner’s personal needs.
Matt DeMille with State Farm Insurance serves homeowners, condominium unit owners, and property managers in Kailua-Kona, Hawaii. This agency assists clients by explaining how condo master policies interact with individual interior coverage, helping to fill gaps that could leave personal belongings or interior improvements unprotected. Policies can cover personal liability, loss of use, and assessments from the condo association. The agency is familiar with the specific insurance requirements for older resort-style condos in the area. It also provides service to neighboring communities such as Captain Cook and Holualoa.
Title Guaranty Kona in Kailua-Kona, HI offers both one-time policies for individual purchases and recurring coverage for ongoing protection. Their condo insurance agents help tenants and owners secure coverage for interior fixtures, personal property, and liability exposures often excluded by master policies. Clients may choose between a single transaction or long-term scheduled renewals depending on their needs. Service is available on a one-time or scheduled basis, with as-needed support for policy adjustments and claims throughout the year.
Specializing in policies tailored to Kailua-Kona high-rises and low-rise complexes, Aloha Insurance Services Inc provides comprehensive condo insurance for owners and associations, covering both interior fixtures and building common areas. The agency assists local residents with evaluating liability protections appropriate for island strata living. With Kailua-Kona’s heightened risk of volcanic vog and frequent brushfire seasons, this agent helps clients review policies for adequate natural disaster and smoke damage coverage.
As storms and seasonal humidity increase along the Kona coast, Keinnen Kato - State Farm Insurance Agent works with condo owners in Kailua-Kona, HI to assess their unit-specific exposure to wind and water damage. This local agency focuses on the unique coverage needs of condo insurance, including interior liability protection and building-property gap policies. Their process begins with a thorough inspection of the unit to identify structural vulnerabilities and evaluate existing HOA master policy coverage before recommending a tailored insurance solution.
Atlas Insurance Agency provides residential condo insurance services to property owners in Kailua-Kona, Hawaii, ensuring their individual units are protected. Commercial coverage is also available for associations and multi-unit buildings needing broader liability policies across the surrounding area. Clients can expect detailed guidance when selecting appropriate coverage levels for hurricane exposure and shared property risks. The agency offers convenient follow-up before policy renewals, allowing homeowners to review any changes between regular visits and adjust their plans accordingly.
What Does a a Condo Insurance Agent in Kailua-Kona Cost?
Condo insurance in Hawaii typically costs between 300 and 800 dollars per year for a standard unit, though high value units or those in high risk areas may cost more. Factors like the unit location near the coast, replacement cost, and deductible amounts affect the premium. This is general information and not insurance advice. Always consult a licensed agent for a quote tailored to your specific situation.
About condo insurance agents in Kailua-Kona
Condo insurance agents in Kailua-Kona help owners understand the unique coverage needs for Hawaii condominiums. Hawaii law requires condominium associations to carry a master policy, but individual unit owners still need their own policy for interior improvements and personal liability. Local agents can explain how the Hawaii Revised Statutes Chapter 514B affects your coverage requirements.
Frequently Asked Questions
What does a condo insurance agent in Kailua-Kona do?
A condo insurance agent helps you find a policy that covers your unit interior, personal belongings, and liability. They also explain how the association master policy interacts with your individual coverage. This is important because Hawaii law does not require the master policy to cover your personal property or interior upgrades.
Do I need condo insurance if the association has a master policy?
Yes, you still need your own policy. The association master policy typically covers the building structure and common areas. Your personal policy covers your unit improvements, personal property, and liability for accidents inside your unit. Hawaii Revised Statutes 514B-146 requires associations to maintain property insurance but does not cover individual unit contents.
How do Hawaii specific laws affect condo insurance?
Hawaii Revised Statutes Chapter 514B governs condominium associations and insurance requirements. The law sets minimum coverage amounts for the master policy and defines what the association must insure. A local agent can help you understand these requirements and ensure your individual policy fills any gaps in coverage.