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Find Umbrella Insurance Agents Near You in Hilo, HI

Browse umbrella insurance agents serving Hilo, Hawaii. Updated 2026-07-14.

The top-rated umbrella insurance agent in Hilo, Hawaii is Iris Kuwaye - State Farm Insurance Agent, rated 4.9 stars across 170 reviews. Other highly rated options include Claire Justo - State Farm Insurance Agent, Pyramid Insurance - Hilo, Fast Insurance Agency HI. This directory lists 20 umbrella insurance agents serving Hilo.

Showing 20 umbrella insurance agents in Hilo, HIListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Iris Kuwaye - State Farm Insurance Agent9 Lei St(808) 935-3375
2Claire Justo - State Farm Insurance Agent2100 Kanoelehua Ave Ste 212(808) 935-4455
3Pyramid Insurance - Hilo48 Kamana St Suite #103(808) 969-7174
4Fast Insurance Agency HI218 Kamehameha Ave(808) 645-4364
5Mind Insurance HI344 Kilauea Ave(808) 646-3602
6Trust Guard Insurance HI451 Kekuanaoa St(808) 736-1914
7Business Insurance Services Inc1080 Kilauea Ave(808) 935-1888
8Hawaiian Islands Insurance, Inc.166 Kamehameha Ave #8(808) 933-3000
9Daniel De Soto Insurance275 Ponahawai St # 105(808) 961-3207
10American Mutual GroupCentury Bldg, 80 Pauahi St STE 105(808) 969-1688
IK
9 Lei St
Iris Kuwaye - State Farm Insurance Agent
Umbrella Insurance Agent · Hilo, HI

Iris Kuwaye - State Farm Insurance Agent serves the Hilo, Hawaii metro area, providing umbrella insurance policies to local residents and businesses. This agency helps clients protect their assets by offering additional liability coverage that extends beyond standard home and auto insurance limits. Umbrella insurance through this office safeguards policyholders from major claims and lawsuits that could otherwise deplete savings. The agency handles personal umbrella policies and commercial umbrella coverage for operations based in the Hilo region.

CJ
2100 Kanoelehua Ave Ste 212
Claire Justo - State Farm Insurance Agent
Umbrella Insurance Agent · Hilo, HI

Claire Justo - State Farm Insurance Agent in Hilo, HI, provides umbrella insurance services that extend liability coverage beyond standard home and auto policies. This coverage helps protect personal assets from major claims and lawsuits. The agency offers straightforward guidance in selecting appropriate coverage limits. Service includes policy reviews to adapt to changing needs. It serves single-family homes, apartments, retail, and restaurants.

PI
48 Kamana St Suite #103
Pyramid Insurance - Hilo
Umbrella Insurance Agent · Hilo, HI

Pyramid Insurance in Hilo serves homeowners, businesses, and property managers seeking additional liability coverage beyond standard policies. As an umbrella insurance agent, it helps clients protect assets against major claims and lawsuits. The agency works closely with local residents and commercial operators throughout the Hawaii County area. Its services cover high-limit protection for accidents, property damage, and personal injury risks common on the Big Island. The agency also extends coverage assistance to clients in the neighboring Puna district.

FI
218 Kamehameha Ave
Fast Insurance Agency HI
Umbrella Insurance Agent · Hilo, HI

Serving Hilo and the surrounding communities on the Big Island, Fast Insurance Agency HI handles umbrella insurance policies that extend extra liability protection beyond standard home and auto coverage. This type of policy helps safeguard personal assets against major claims or lawsuits. The agency works with clients to determine appropriate coverage limits that fit individual risk profiles. It approaches each job by carefully reviewing existing underlying policies and recommending a suitable umbrella layer to close any potential coverage gaps.

MI
344 Kilauea Ave
Mind Insurance HI
Umbrella Insurance Agent · Hilo, HI

Specializing in personal and commercial umbrella liability coverage, Mind Insurance HI helps clients in Hilo secure an extra layer of protection beyond standard homeowners or auto policies. The agency guides individuals and businesses through assessing their unique risk exposure, advising on appropriate policy limits to safeguard assets from major claims or lawsuits. As a year-round necessity, this coverage becomes particularly valuable during Hawaii’s rainy season, when property damage and third-party liability risks from storm runoff and flash flooding increase significantly.

TG
451 Kekuanaoa St
Trust Guard Insurance HI
Umbrella Insurance Agent · Hilo, HI

When heavy rains from a passing storm threaten the Big Island, homeowners in Hilo turn to Trust Guard Insurance HI for comprehensive liability protection. This agency specializes in umbrella insurance, which offers an extra layer of coverage beyond standard auto or homeowners policies. Clients benefit from tailored guidance on personal liability risks common to the island’s unique weather and terrain. An initial consultation is conducted to review existing policies and identify potential exposure gaps, ensuring appropriate coverage levels are recommended.

BI
1080 Kilauea Ave
Business Insurance Services Inc
Umbrella Insurance Agent · Hilo, HI

Business Insurance Services Inc in Hilo, HI provides umbrella insurance agent services. They offer either a one-time policy purchase for increased liability coverage beyond underlying limits or a recurring annual premium plan for sustained protection. Their coverage options help safeguard assets against large claims resulting from major accidents or lawsuits. Consultations and policies are available on an as-needed basis, tailored to individual client circumstances and risk exposure without requiring a set schedule.

HI
166 Kamehameha Ave #8
Hawaiian Islands Insurance, Inc.
Umbrella Insurance Agent · Hilo, HI

Hawaiian Islands Insurance, Inc. in Hilo assists clients with protecting assets from major liability claims. Umbrella coverage adds a vital extra layer beyond standard policies, safeguarding personal and business finances against expensive lawsuits and judgments. These policies kick in after primary limits are exhausted, offering crucial protection for island properties and enterprises. The agency adjusts supplementary liability limits to match individual risk profiles. Its commercial umbrella services extend to a variety of business types, including offices, warehouses, and food service operations.

DD
275 Ponahawai St # 105
Daniel De Soto Insurance
Umbrella Insurance Agent · Hilo, HI

Daniel De Soto Insurance provides residential umbrella liability coverage for homeowners in Hilo, offering added protection beyond standard home policies. The agency also serves commercial clients, ensuring businesses on the Big Island have broader liability safeguards. Service extends throughout the surrounding Hawaii County areas. Each policy is reviewed carefully to meet individual coverage needs. Follow-up service is readily available to adjust limits or answer questions between regular policy reviews or renewal visits.

AM
Century Bldg, 80 Pauahi St STE 105
American Mutual Group
Umbrella Insurance Agent · Hilo, HI
MI
1321 Kinoole St
Moa Insurance Services Hawai'i
Umbrella Insurance Agent · Hilo, HI
(808) 333-3456
AI
80 Pauahi St STE 105
Atlas Insurance Agency
Umbrella Insurance Agent · Hilo, HI
(808) 935-2943
atlasinsurance.com
MU
275 Ponahawai St # 105
Mutual Underwriters - Hilo
Umbrella Insurance Agent · Hilo, HI
(808) 969-1110
PI
166 Kamehameha Ave Ste 7
Pacific Island Insurance LLC
Umbrella Insurance Agent · Hilo, HI
(808) 933-3000
AI
101 Aupuni St # 133
Alliant Insurance Services, Inc.
Umbrella Insurance Agent · Hilo, HI
(808) 481-4828
alliant.com
TI
522 Kinoole St
Treasury Insurance Co
Umbrella Insurance Agent · Hilo, HI
(808) 645-4146
home.treasury.gov/policy-issues/financial-markets-financial-institutions-and-fiscal-service/federal-insurance-office
PI
1510 Kilauea Ave
Prudential Insurance Co
Umbrella Insurance Agent · Hilo, HI
(808) 935-1948
FI
605 Laukapu St Ste#201
Finance Insurance Ltd
Umbrella Insurance Agent · Hilo, HI
(808) 933-1288
financeinsurance.com
BC
17 Makaala St # 101
Benefits Consultants-Hawaii
Umbrella Insurance Agent · Hilo, HI
(808) 933-1404
SK
410 Kilauea Ave
Stan A Kinoshita & Associates Inc
Umbrella Insurance Agent · Hilo, HI
(808) 935-2888
sakinoshita.com

What Does an a Umbrella Insurance Agent in Hilo Cost?

The cost of an umbrella insurance policy in Hawaii typically ranges from 150 to 300 dollars per year for one million dollars in coverage. Factors that affect the premium include your driving record, the number of properties you own, and your claims history. Rates may be slightly higher on the Big Island due to increased risk from volcanic activity or coastal flooding. This is general information and not insurance advice.

About umbrella insurance agents in Hilo

An umbrella insurance agent in Hilo can help you secure extra liability coverage that goes beyond your standard home and auto policies. Hawaii law requires all drivers to carry minimum liability insurance, but an umbrella policy adds an additional layer of protection for your savings and future earnings. Many Hilo residents choose umbrella insurance to guard against claims from accidents on their property or while driving on the Big Island.

Frequently Asked Questions

What does an umbrella insurance policy cover in Hawaii?

An umbrella policy provides extra liability coverage above your home and auto insurance limits. It can cover legal defense costs and pay for damages if you are sued for an accident. In Hawaii, this is especially important for claims related to slip and fall incidents or car accidents on winding roads.

How much umbrella coverage do I need in Hilo?

Most agents recommend at least one million dollars in umbrella coverage. The right amount depends on your assets, income, and risk factors. A local agent in Hilo can review your situation and help you choose a limit that fits your needs.

Can I get umbrella insurance if I do not own a home in Hawaii?

Yes, you can get umbrella insurance even if you rent a home or apartment in Hilo. You must have an underlying auto or renters insurance policy first. The umbrella policy will then extend your liability coverage for incidents at your rental or while driving.

Umbrella Insurance Agents in Other Hawaii Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.