The top-rated condo insurance agent in Waipahu, Hawaii is Larry Welsch - State Farm Insurance Agent, rated 5.0 stars across 208 reviews. Other highly rated options include Guy Matsumoto - State Farm Insurance Agent, Valerie Bruner at Comparion Insurance Agency, Kendrick Nishiguchi at Comparion Insurance Agency. This directory lists 16 condo insurance agents serving Waipahu.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Larry Welsch - State Farm Insurance Agent | 94-429 Ukeʻe St #101 | (808) 944-3450 |
| 2 | Guy Matsumoto - State Farm Insurance Agent | 94-849 Lumiaina St Ste 104 | (808) 671-7888 |
| 3 | Valerie Bruner at Comparion Insurance Agency | 94-849 Lumiaina St #206 | (808) 650-6105 |
| 4 | Kendrick Nishiguchi at Comparion Insurance Agency | 94-849 Lumiaina St #206 | (808) 650-6071 |
| 5 | Susan Santos - State Farm Insurance Agent | 94-229 Waipahu Depot St #201 | (808) 677-0098 |
| 6 | Dawn Mira-Whitson: Allstate Insurance | 94-210 Pupukahi St Ste 208 | (808) 677-1428 |
| 7 | Ricky Bonilla: Allstate Insurance | 94-050 Farrington Hwy Ste B1-8 | (808) 676-0501 |
| 8 | Deborah Sumulong at Comparion Insurance Agency | 94-849 Lumiaina St #206 | (808) 650-6074 |
| 9 | Leilani Yee at Comparion Insurance Agency | 94-849 Lumiaina St #206 | (808) 650-6073 |
| 10 | Roy D Burnett Jr - State Farm Insurance Agent | 94-487 Akoki St Ste 103 | (808) 688-1551 |
Larry Welsch - State Farm Insurance Agent serves the Waipahu area and the greater Honolulu County with condo insurance solutions. This agency helps condo owners in Hawaii protect their personal property, interior structures, and liability exposure. It works with both individual unit owners and associations seeking appropriate coverage. The agent explains policy details for HO-6 plans, which cover personal belongings and improvements. Additional services include helping clients understand master policy coverage gaps and arranging umbrella policies for added protection.
Guy Matsumoto - State Farm Insurance Agent provides coverage options for condominium owners in Waipahu, Hawaii. The agency offers services such as customizing personal condo insurance policies and helping explain how assessments and special loss assessments work for unit owners. Service includes annual policy reviews to keep coverage aligned with changes in local building costs and association master policy requirements. This agency services single-family homes, apartments, retail spaces, and restaurants throughout the Waipahu area.
Valerie Bruner at Comparion Insurance Agency serves homeowners and property managers in Waipahu, Hawaii, providing tailored condo insurance coverage that protects individual units and common property elements. Each policy is designed to address the unique risk factors associated with island living, including weather exposure and shared building structures. This agency also offers guidance on assessing the right level of personal liability and contents protection. Its services extend to the neighboring community of Pearl City and surrounding metro Honolulu areas.
Kendrick Nishiguchi at Comparion Insurance Agency in Waipahu, HI, distinguishes between a one-time policy purchase and recurring service plans when helping condo owners find coverage. The agency specializes in protecting individual units against common perils like fire, theft, and water damage, along with liability protection for incidents within the home. Service is available on a scheduled or as-needed basis, depending on whether clients require annual policy reviews or occasional claims assistance.
Specializing in condo insurance policies that protect individual units and common areas, Susan Santos - State Farm Insurance Agent in Waipahu, HI offers tailored coverage options for local condominium owners. The agency also provides general personal insurance services to help residents secure their homes and belongings. In a region where tropical storms and heavy rains frequently occur, the agency assists clients in assessing their policies for adequate windstorm and flood protection before the seasonal weather arrives.
Dawn Mira-Whitson: Allstate Insurance provides property protection guidance for condominium owners in Waipahu, HI. The agency specializes in adding coverage options such as loss assessment protection and personal liability enhancement beyond standard condo master policies. It serves individual condo unit owners by addressing gaps in building coverage and offering tailored solutions for personal belongings and interior structures. Commercial sectors it can serve include offices, warehouses, and food service operations.
Spring rains in Waipahu often reveal hidden leaks around window seals and lanai doors, making thorough condo coverage essential. Ricky Bonilla: Allstate Insurance helps owners review whether their master policy gaps match the unit’s interior exposures, from upgraded appliances to tile flooring. Policies here typically address special assessments and loss-assessment endorsements. After reviewing your budget and association documents, an initial inspection of the unit’s common walls and plumbing access points is scheduled to confirm insurance needs.
Deborah Sumulong at Comparion Insurance Agency provides residential condo insurance services in Waipahu, HI, helping owners protect their units and personal property. Commercial coverage options are also available for local small businesses and condominium associations. The agency serves Waipahu and the surrounding Oahu communities, offering guidance on policy choices that suit individual needs. Follow-up assistance is provided to ensure coverage remains appropriate, and repeat service continues between regular annual visits to keep policies current with changing circumstances.
Leilani Yee at Comparion Insurance Agency in Waipahu, HI, is known for helping condo owners find appropriate coverage tailored to their specific buildings and associations. The company serves customers across the local area by explaining common policy inclusions and exclusions. Leilani Yee offers personalized guidance on protecting personal belongings and interior structures. As a specialty, the agency can also provide extended loss assessment coverage to protect against unexpected building repair costs.
What Does a a Condo Insurance Agent in Waipahu Cost?
Condo insurance in Hawaii typically costs between 200 and 600 dollars per year for a standard HO6 policy. Factors like unit location, coverage limits, and deductible amounts affect the price. Higher risk areas near the coast or with older buildings may cost more. This is general information and not insurance advice.
About condo insurance agents in Waipahu
A condo insurance agent in Waipahu can help you understand the coverage needed for your unit. In Hawaii, the association master policy typically covers the building structure, but you need a HO6 policy for your interior fixtures and personal property. Local agents know the specific risks like hurricane damage and volcanic activity that affect Waipahu condos.
Frequently Asked Questions
What does a condo insurance agent in Waipahu do?
A condo insurance agent helps you find a HO6 policy that covers your personal property, interior walls, and liability. They explain how the association master policy and your individual policy work together. They also advise on optional coverages like hurricane or flood insurance.
Is condo insurance required in Hawaii?
Yes, most condo associations in Hawaii require unit owners to carry a HO6 policy. Hawaii Revised Statutes Section 514B-146 allows associations to require minimum coverage amounts. Your agent can help you meet these requirements.
How much condo insurance do I need in Waipahu?
You need enough coverage to rebuild your interior and replace your belongings. Many agents recommend at least 20 percent of the unit value for interior coverage. You should also consider liability coverage of 100,000 to 300,000 dollars.