Hiring a Contractor from a Classified Ad – What You Need to Know

Our multi-line agency provides a full range of insurance services for individuals, families and businesses in Hawaii, Oahu, Maui, and Kauai. We differentiate ourselves with the insurance products we offer and with the service we provide to our customers. Providing service that surpasses your expectations is our operating principle.

We strive to achieve this standard in every activity of our agency. From returning phone calls promptly and communicating with you regularly, to fast policy issuance and endorsement processing, our objective is to make your life easier. We assume that service is a key factor to our customers who return to us with new business opportunities.

Call our office in Waikoloa for auto insurance, business insurance, home insurance, condo insurance, flood insurance, work comp insurance, life insurance, boat insurance, motorcycle insurance, hurricane insurance, earthquake insurance, and bonds! (808)883-2447

“What does my Condo Insurance Cover in Hawaii?”

Congratulations, you’ve purchased a condo!! Home ownership with little or no yard work. You can remodel your kitchen, paint the walls and enjoy your new space. During the purchasing process your agent probably told you that the homeowner’s association insures the building, the walls and the physical structure of your unit. What that insurance does not cover is the personal contents of your unit or any remodeled or upgraded areas within the unit.

Condo Insurance 101 in Hawaii:

  • Why do you need it: While your walls and building are covered in the event of destruction, your belongings and any upgrades are not. You are responsible for the physical contents, additions and upgrades in your unit. Condo insurance also provides liability coverage should a negligent act by you (fire, water damage, glass breakage, etc.) affect units other than your own. Say you left the bathtub running and it overflowed causing damage to the unit below. Your condo insurance would cover the damage to the unit below you as well as repair the damage to your unit, after a deductible. Pro tip: never leave your bathtub running unattended.
  • What may be covered: Like a renter’s insurance policy, your belongings are covered up to a certain dollar amount. Like a homeowner’s insurance policy you can add scheduled property like art, jewelry and other collectibles. A condo insurance policy also includes a negligence and liability portion in the event that you damage a unit other than your own, the common areas or if someone is injured in your unit. A condo insurance policy may also include reimbursements for living expenses if your condo is unlivable and needs to be repaired.

Having the proper amount of condo insurance coverage may help protect you from having to pay out of pocket for liability claims or damage to your unit. There are several options when it comes to the condo insurance you feel is appropriate for your needs and budget. Have questions? Talk to your local, independent insurance agents at All Island Insurance. All Island Insurance in Waikoloa, Hawaii can guide you through a condo insurance policy and add additional coverages like flood insurance or earthquake insurance. Their years of insurance experience can save you a bundle, and they live right in your area, so know first-hand what your insurance needs might be.  You can also visit their insurance website 24/7 to learn more about the insurance products they offer.