If you are a resident of the beautiful state of Hawaii, you would know the importance of having reliable insurance for your home, vehicle, and personal safety. Insurances help protect you and your loved ones from possible financial losses due to accidents, natural disasters, and other unforeseen events.
With over 100 years of experience, First Insurance Hawaii is Hawaii’s leading and most trusted insurance company. In this article, we will delve into the different types of insurance policies that First Insurance offers, how they can benefit you, and why it is important to choose First Insurance Hawaii as your insurance provider.
What is First Insurance Hawaii?
First Insurance Hawaii is a subsidiary company of the Tokio Marine North America group of companies. It is an industry leader in Hawaii with over 102 years of experience in providing Hawaii’s residents with comprehensive insurance coverage. The company has received numerous industry awards for its exceptional customer service and financial stability.
Company History
The company was founded in 1911 as the First Fire & Marine Insurance Company, with its headquarters in Honolulu, Hawaii. Over the years, it has expanded its coverage areas and became First Insurance Company of Hawaii, Ltd. in 1957. In 2015, the company was acquired by Tokio Marine North America, Inc., and was renamed First Insurance Hawaii.
Company Mission and Values
First Insurance Hawaii’s mission is to be the provider of choice for Hawaii’s residents for property, vehicle, and personal insurance. The company values customer satisfaction, teamwork, and professionalism in all aspects of its operations.
Types of Insurance Offered by First Insurance Hawaii
First Insurance Hawaii offers a wide range of insurance policies to provide comprehensive coverage for you and your loved ones. Here are the different types of insurance policies that they offer:
Insurance Type |
Description |
|---|---|
Homeowners Insurance |
Protection for your home, personal belongings, and liability against possible damages or losses caused by natural disasters, theft, or accidents. |
Auto Insurance |
Coverage for your vehicles, including cars, trucks, motorcycles, and recreational vehicles, against damages or losses due to accidents, theft, or natural disasters. |
Flood Insurance |
Protection against damages or losses caused by floods, which are not typically included in standard homeowners’ insurance policies. |
Personal Umbrella Insurance |
An additional layer of liability protection that can cover costs that exceed your primary insurance policy’s limits. |
Commercial Insurance |
Coverage for your business, including property insurance, liability insurance, and workers’ compensation insurance, against potential financial risks and losses. |
Surplus Lines Insurance |
Specialized insurance policies that provide coverage for unique or high-risk situations, which are not typically covered by standard insurance policies. |
Homeowners Insurance
Your home is one of your most valuable assets, and homeowners’ insurance is crucial in protecting it from possible damages and losses. First Insurance Hawaii offers homeowners’ insurance policies that provide coverage for your home structure, personal belongings, and liability against potential risks and losses.
Some of the coverage options that you can avail of in First Insurance Hawaii’s homeowners’ insurance policies include:
- Dwelling coverage – Protection for the physical structure of your home against damages or losses caused by natural disasters, theft, or accidents.
- Personal property coverage – Coverage for your personal belongings, such as furniture, appliances, and clothing, against damages or losses due to natural disasters, theft, or accidents.
- Liability coverage – Protection against possible legal fees and damages if someone gets injured on your property.
- Guest medical coverage – Payment for the medical expenses of someone who gets injured on your property, regardless of who is at fault.
- Additional living expenses – Coverage for additional living expenses if you are unable to live in your home due to damages or losses caused by natural disasters or accidents.
With First Insurance Hawaii’s homeowners’ insurance policies, you can have peace of mind knowing that your home and personal belongings are protected against possible damages and losses.
Auto Insurance
Auto insurance is critical for protecting you and your vehicle against potential damages or losses caused by accidents, theft, or natural disasters. First Insurance Hawaii offers auto insurance policies that provide comprehensive coverage for your vehicles.
Here are some of the coverage options that you can avail of in First Insurance Hawaii’s auto insurance policies:
- Bodily Injury and Property Damage Liability Coverage – Coverage for you in case you cause an accident that results in injury or damage to someone else’s property.
- Comprehensive Coverage – Protection for your vehicle against possible damages or losses caused by natural disasters, theft, or vandalism.
- Collision Coverage – Protection for your vehicle against damages caused by collisions with other vehicles or objects.
- Uninsured Motorist Coverage – Protection for you in case you get into an accident with an uninsured or underinsured driver.
- Roadside Assistance – Coverage for emergency services such as towing, jump-starts, and fuel delivery.
First Insurance Hawaii’s auto insurance policies are designed to provide comprehensive coverage for your vehicle against potential risks and losses.
Flood Insurance
Hawaii is known for its beautiful beaches and tropical weather, but it is also prone to flooding due to its location and weather patterns. Standard homeowners’ insurance policies typically do not cover flood damage, which can cause significant financial losses for homeowners.
First Insurance Hawaii offers flood insurance policies that can provide protection for your home and personal belongings against possible damages or losses caused by flooding.
Here are some of the coverage options that you can avail of in First Insurance Hawaii’s flood insurance policies:
- Building property coverage – Coverage for physical damages to your home structure caused by floodwaters.
- Personal property coverage – Protection for your personal belongings against possible damages or losses due to floodwaters.
- Increased Cost of Compliance (ICC) – Coverage for costs related to bringing your home up to current building codes and standards after a flood.
First Insurance Hawaii’s flood insurance policies can help you prepare for the unexpected and minimize your financial losses in case of a flood.
Personal Umbrella Insurance
Personal umbrella insurance provides an additional layer of liability protection beyond the limits of your primary insurance policies, such as homeowners’ and auto insurance policies. It can cover costs that exceed your primary insurance policy’s limits, which can help protect your assets and savings in case of a lawsuit.
First Insurance Hawaii’s personal umbrella insurance policies provide coverage for both personal and business liabilities, including:
- Personal injury liabilities, such as slander and libel.
- Property damage liabilities, including damages to someone else’s property.
- Bodily injury liabilities, such as injuries caused by accidents or negligence.
- Business liability, including coverage for legal fees and damages related to your business operations.
With First Insurance Hawaii’s personal umbrella insurance policies, you can have peace of mind knowing that you are protected against possible financial losses beyond the limits of your primary insurance policies.
Commercial Insurance
Running a business in Hawaii can be fulfilling, but it also comes with potential financial risks and losses. First Insurance Hawaii offers commercial insurance policies that can provide comprehensive coverage for your business, including property insurance, liability insurance, and workers’ compensation insurance.
Here are some of the coverage options that you can avail of in First Insurance Hawaii’s commercial insurance policies:
- Commercial property insurance – Coverage for your business property against possible damages or losses caused by natural disasters, theft, or other unforeseen events.
- General liability insurance – Protection against possible legal fees and damages if someone gets injured on your business property due to your negligence or other circumstances.
- Workers’ compensation insurance – Coverage for your employees’ medical expenses and lost wages in case of a work-related injury or illness.
- Professional liability insurance – Protection against possible damages and legal fees due to professional errors or malpractice.
- Cyber liability insurance – Protection against possible financial losses due to cyber attacks, data breaches, or other online threats.
With First Insurance Hawaii’s commercial insurance policies, you can have peace of mind knowing that your business is protected against potential financial risks and losses.
Surplus Lines Insurance
Surplus lines insurance provides specialized coverage for unique or high-risk situations that are not typically covered by standard insurance policies. First Insurance Hawaii offers surplus lines insurance policies that can provide coverage for various types of risks, including:
- High-value homes and estates
- Special events and gatherings
- Marine and watercraft
- Aircraft and aviation
- Professional liability
- Technology and cyber risks
First Insurance Hawaii’s surplus lines insurance policies are tailored to fit the unique needs of your situation and provide comprehensive protection against potential risks and losses.
Why Choose First Insurance Hawaii?
Choosing an insurance provider can be a daunting task, but with First Insurance Hawaii, you can have peace of mind knowing that you are choosing a reliable and trustworthy insurance company. Here are some reasons why you should choose First Insurance Hawaii as your insurance provider:
- Experience – With over 100 years of experience in the insurance industry, you can trust First Insurance Hawaii’s expertise in providing comprehensive insurance coverage for your needs.
- Award-Winning Customer Service – First Insurance Hawaii has received numerous awards for its exceptional customer service, including the JD Power Insurance Shopping Study award for the highest customer satisfaction in the region.
- Financial Stability – First Insurance Hawaii is backed by the Tokio Marine North America group of companies, a multinational insurance company with over $70 billion in total assets.
- Local Expertise – As a Hawaii-based insurance company, First Insurance Hawaii understands the unique risks and needs of Hawaii’s residents and can provide tailored insurance policies to fit those needs.
With First Insurance Hawaii, you can have peace of mind knowing that you are choosing a reliable and trustworthy insurance company that puts its customers first.
Frequently Asked Questions (FAQ)
What is the claims process for First Insurance Hawaii?
If you need to file a claim with First Insurance Hawaii, you can do so by contacting its claims department at 888-312-2525. The claims adjuster will guide you through the process and help you with the necessary documentation and information that you need to provide. First Insurance Hawaii strives to process claims as quickly and efficiently as possible to minimize any delays or inconveniences for its customers.
How can I contact First Insurance Hawaii?
You can contact First Insurance Hawaii by phone at 800-272-5202 or by visiting its website at www.ficoh.com. You can also visit one of its local branch offices located throughout Hawaii to speak with a representative in person.
Is First Insurance Hawaii’s coverage limited to Hawaii residents only?
First Insurance Hawaii’s primary coverage area is Hawaii, but it also offers coverage for policyholders in other states and countries. However, coverage options and policies may vary depending on the location and type of coverage you need.
What is Tokio Marine North America?
Tokio Marine North America is a subsidiary of Tokio Marine Holdings, Inc., a leading international insurance company based in Tokyo, Japan. It has operations in over 45 countries and regions, providing various types of insurance and financial services to its customers.
How can I get a quote from First Insurance Hawaii?
You can get a quote from First Insurance Hawaii by visiting its website at www.ficoh.com or by contacting one of its local branch offices. You will need to provide some personal and property information to get an accurate quote, such as your name, address, and type of coverage you need.
Is First Insurance Hawaii a member of any industry associations?
Yes, First Insurance Hawaii is a member of several industry associations, including the Hawaii Insurers Council, the National Association of Insurance Commissioners, and the Property Casualty Insurers Association of America.
Conclusion
First Insurance Hawaii is a reliable and trustworthy insurance company that you can rely on for comprehensive insurance coverage for your home, vehicle, and personal safety. With its extensive experience, award-winning customer service, and financial stability, you can have peace of mind knowing that you are choosing the best insurance provider for your needs.