Home Insurance

Home Insurance in Waikoloa Village Hawaii

Home Insurance Waikoloa Village, HI Insurance Agent , HawaiiYou have made a large investment by purchasing a home. Sleep soundly with the protection of a Homeowners Insurance policy from All Island Insurance Agency!  Homeowners insurance protection is crucial when owning a home. A homeowners insurance policy, or home insurance policy, means coverage for assets inside and outside of your home.

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Having homeowners insurance, or home insurance, guarantees you are compensated for losses to your home and your possessions inside it. Purchasing a homeowners policy provides added protection for your biggest investment. Home insurance also protects you if you’re found to be liable for someone’s injuries on your property. This policy will also protect you from financial losses caused by storms, fire, theft and other events outlined in your policy. You can also add a Personal Articles Floater to your home insurance policy. A Personal Articles Floater schedules specific items to your home insurance policy, like art, jewelry or collectibles. Ask your All Island Insurance agent how scheduling a Personal Articles Floater can help recoup losses for your invaluable valuables. Call All Island Insurance Agency today to get a policy started.

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 Familiarize Yourself With Common Homeowners Insurance Terms:

A- Dwelling

B- Other Structures on Your Property

C- Personal Property/Contents

D- Loss of Use

E- Personal Liability Protection

F- Medical Payments

Dwelling coverage protects your home’s structure against the damage and possible loss from a covered event such as a wind, hail, lightening or fire. (Note: Earthquake insurance will require a separate endorsement. Talk to an agent today about earthquake insurance). This part of your insurance policy will pay to replace the home’s structural components.

Other Structures such as detached garages, buildings or sheds on your property are also protected by a standard homeowners policy. Typically, the coverage for other structures is 10% of your dwelling coverage although higher amounts are available if you wish to purchase them.

Personal Property comes standards with a homeowners insurance policy and protects your items within your home or on your property should they be stolen, lost in a fire or damaged otherwise by a covered loss. These items include, but are not limited to clothing, furniture and other personal items.

Loss of Use  will provide you with living expenses in the event your home is not livable due to a covered loss. This type of coverage will usually cover the cost of a hotel, restaurant bills and other living expenses while your home is being repaired.

Personal Liability Protection  protects you from bodily injury or property damage lawsuits in the event someone files a lawsuit against you. This also includes things like your pet biting someone through a fence.

Medical Payments  coverage pays medical expenses for a non-resident who may have been injured while on your property.