Homeowner’s Insurance & Renter’s Insurance in Hawaii
Protect your home with a homeowner’s insurance policy from Carr’s Insurance Agency. Unfortunately, accidents happen and they happen every day…but we can offer you the kinds of homeowner’s renters and Hurricane insurance coverage in Hawaii that you need to make sure that your home and valuables are protected. We can provide policies on all islands including Oahu, Maui, and Hawaii.
Carr’s Insurance Agency is proud to offer you the coverage you need for a price that is reasonable. We use only highly rated and financially sound insurance companies and can provide Hurricane Coverage as well as Personal Umbrellas, Commercial Property, and In-Home Business Insurance.
Protection for your most valuable assets to help you feel secure.
Homeowner’s Insurance Coverage
- Homeowners Insurance – An insurance policy for your most valuable asset.
- Condo Insurance – Ensure you’re not held liable for damages that go beyond your walls. Also, protect your items within!
- Renter’s Insurance – Renting a property? Protect your valuables with an inexpensive renter’s policy.
- Landlord Protection Insurance – Have a rental property? Talk to a qualified agent about a landlord policy.
- Flood Insurance – If you live near a body of water, talk to your agent about a flood policy.
- Earthquake Insurance – Most home policies do not include earthquake coverage.
At home, you rely on having a safe, comfortable place to live. When you purchase a home insurance policy, it should contain a clear description of your home’s structure (size, bathrooms, bedrooms, and any custom items). This policy should also list of excluded events that may not be included.
Residence Type
Not everyone lives in a standalone home. There are many different types of homes, so we will discuss with you what the option is that fits your needs!
- A Home insurance policy usually covers a home’s entire structure along with sheds and detached garages.
- A Condo insurance policy usually covers interior structures like drywall and lighting fixtures. Depending on your state & your association by-laws, external walls may not be covered.
- For Manufactured Homes, the entire structure is typically covered, but sheds and garages often require a separate policy.
- A Renters insurance policy has no physical structure coverage at all but will cover your personal contents.
With any insurance policy, be sure to ask your insurance agent about certain items that may not be covered such as jewelry, furs, and artwork. These require a special endorsement of a homeowner’s policy.
Excluded Events
It is important to understand the events that are not covered by your specific policy for homeowners and offer you options to insure those items. Typically, floods and earthquakes are excluded from basic policies, so, if you need supplemental insurance policies for those situations, please ask an agent about this. Other conditions most companies specifically exclude are mold, fungus, wet rot, dry rot, and bacteria.
GET A QUOTE
Carr’s Insurance Agency represents the top-rated insurance companies in both Hawaii & Washington. We will compare pricing and coverage options finding you the best policy for your needs. Call us at: (808) 836-2277 or click the button below to send us a message for your quote.
Hawaii Office
Wahiawa, HI 96786
Washington Office
Stanwood, WA 98292-8019
About Us
Carr’s Insurance Agency opened its doors in Hawaii in 1990 and is happily serving Oahu, Maui, Hawaii, Kauai and Molokai and recently opened an office in Washington State. We believe we have thrived in our home of Hawaii because of the respect and aloha we provide to our customers. Carr’s Insurance Agency will go the extra distance to make sure you get the service you deserve We offer All lines of Insurance. Carr’s Insurance Agency is available online 24/7. Feel free to stop into our office or call us anytime. If you are interested in an insurance quote, and would like a licensed agent to contact you, please click here or call 808-836-2277 (CARR)