The top-rated umbrella insurance agent in Honolulu, Hawaii is Ryan Miyashita - State Farm Insurance Agent, rated 5.0 stars across 495 reviews. Other highly rated options include Erick Ellgren: Allstate Insurance, AAA Hawaii, Kaina Kauahi - State Farm Insurance Agent. This directory lists 31 umbrella insurance agents serving Honolulu.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ryan Miyashita - State Farm Insurance Agent | 1580 Makaloa St Suite 102 | (808) 945-0802 |
| 2 | Erick Ellgren: Allstate Insurance | 1188 Bishop St PH 2 | (808) 941-2886 |
| 3 | AAA Hawaii | 1130 N Nimitz Hwy Ste A-170 | (808) 593-2221 |
| 4 | Kaina Kauahi - State Farm Insurance Agent | 1284 Kalani St Ste D-108 | (808) 524-9997 |
| 5 | Shelli Toguchi-Hadley - State Farm Insurance Agent | 4510 Salt Lake Blvd d15 | (808) 486-1111 |
| 6 | First Insurance Company of Hawaii, LTD | 1100 Ward Ave | (808) 527-7777 |
| 7 | Deanne August: Allstate Insurance | 6700 Kalanianaʻole Hwy UNIT 203 | (808) 395-5810 |
| 8 | Proinsurance Hawaii | 4348 Waialae Ave #101 | (808) 735-0106 |
| 9 | U'ilani Aragaki - State Farm Insurance Agent | 3049 Ualena St #411 | (808) 955-9090 |
| 10 | John H Connors Insurance | 500 Ala Moana Blvd # 2-303 | (808) 521-3663 |
Ryan Miyashita - State Farm Insurance Agent in Honolulu, HI, offers umbrella insurance coverage to help protect clients from major liability claims and lawsuits. Their service approach includes a thorough policy review and personalized risk assessment to ensure appropriate coverage levels are maintained. Periodic plan adjustments accommodate changes in client assets and local liability exposure. The agency serves a variety of property types, including single-family homes, apartments, retail spaces, and restaurants.
Erick Ellgren: Allstate Insurance specializes in umbrella insurance, offering excess liability coverage that extends beyond standard homeowners and auto policies. It serves clients throughout Honolulu, providing general insurance services tailored to individual risk protection needs. The agency assists with selecting appropriate liability limits to safeguard personal assets. As the rainy season approaches in Hawaii, the company helps local residents address elevated risks of water damage claims that could exceed primary policy limits.
AAA Hawaii serves homeowners, businesses, and property managers in Honolulu seeking additional liability protection through umbrella insurance. This coverage extends beyond standard policy limits, offering vital safeguards for assets such as homes, rental properties, and commercial real estate. The agency works closely with clients to assess personal exposure, advising on appropriate coverage levels for general liability and automobile-related claims. AAA Hawaii also provides its services to clients in surrounding Oahu communities, including the neighborhoods of Kaimukī and Mānoa, ensuring comprehensive risk management across the metro area.
Kaina Kauahi - State Farm Insurance Agent specializes in umbrella insurance policies, providing extended liability coverage beyond standard homeowners and auto limits. The agency additionally offers a full range of general insurance services to Honolulu residents, addressing both personal and personal liability protection needs. For clients facing increased risks from hosting gatherings or owning rental properties, the agent helps ensure adequate coverage during the busy holiday season when guest-related incidents are more common.
In Honolulu’s busy hurricane season, property owners often need extra security beyond basic policies. Shelli Toguchi-Hadley, a local State Farm agent, provides umbrella insurance that raises liability coverage above standard limits, protecting savings and future income in a storm-prone region. This extra layer is also useful for homeowners hosting short-term rentals or maintaining pools. New clients begin with a complimentary coverage consultation, where the agent reviews existing policies to assess how much additional protection is advisable. Shelli Toguchi-Hadley then schedules an initial assessment of the property’s specific needs.
First Insurance Company of Hawaii, LTD in Honolulu handles umbrella insurance, which differs from one-time policy purchases by offering recurring, continuous annual coverage that extends liability limits above standard home or auto policies. This service provides an additional layer of financial protection for residents against major claims beyond their primary insurance. The company offers umbrella policies and related assistance on a scheduled, ongoing renewal basis to ensure consistent protection without requiring one-time purchases.
Deanne August: Allstate Insurance provides umbrella insurance coverage to clients in Honolulu, Hawaii, offering an extra layer of liability protection beyond standard auto and home policies. This coverage helps safeguard assets from major claims and lawsuits. The agency can tailor policies to meet local risk factors such as hurricane exposure and high property values. As a specialty service, it can add on excess liability limits for waterfront properties.
Proinsurance Hawaii serves Honolulu, Hawaii, providing umbrella insurance agent services. This company helps residents and businesses secure extra liability coverage beyond standard policies. Such protection safeguards assets against major lawsuits or claims. Clients benefit from tailored risk management guidance for their unique financial situations. Proinsurance Hawaii handles both personal umbrella policies for homeowners and auto owners, as well as commercial umbrella coverage for local enterprises.
What Does an a Umbrella Insurance Agent in Honolulu Cost?
The cost of an umbrella insurance policy in Hawaii typically ranges from $150 to $400 per year for $1 million in coverage. Premiums depend on your risk profile, number of properties, and driving record. Factors like living near the ocean or owning a rental unit can raise the price. This is general information and not insurance advice.
About umbrella insurance agents in Honolulu
An umbrella insurance agent in Honolulu helps you secure extra liability coverage beyond your home and auto policies. Hawaii property values and tourism activity create unique liability exposures. Local agents can tailor a policy to cover risks like oceanfront property claims or rental car incidents common in the islands.
Frequently Asked Questions
What does an umbrella insurance agent in Honolulu do?
An umbrella insurance agent helps you purchase a personal umbrella policy that provides additional liability coverage. The agent reviews your existing home and auto policies to determine the right amount of extra protection. They also explain how Hawaii law affects coverage for incidents on your property.
Do I need umbrella insurance in Hawaii?
Umbrella insurance is recommended if you own a home, have significant savings, or engage in activities like boating or hosting guests. Hawaii has a high cost of living and frequent natural disasters, which can increase liability risks. A local agent can help you assess your personal exposure.
How does Hawaii law affect umbrella insurance coverage?
Hawaii Revised Statutes Chapter 431 governs insurance policies in the state. Umbrella policies typically cover legal defense costs and judgments above your underlying policy limits. Hawaii has no cap on personal injury damages, so extra coverage is important for serious accidents.