The top-rated umbrella insurance agent in Hilo, Hawaii is Iris Kuwaye - State Farm Insurance Agent, rated 4.9 stars across 170 reviews. Other highly rated options include Claire Justo - State Farm Insurance Agent, Pyramid Insurance - Hilo, Fast Insurance Agency HI. This directory lists 20 umbrella insurance agents serving Hilo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Iris Kuwaye - State Farm Insurance Agent | 9 Lei St | (808) 935-3375 |
| 2 | Claire Justo - State Farm Insurance Agent | 2100 Kanoelehua Ave Ste 212 | (808) 935-4455 |
| 3 | Pyramid Insurance - Hilo | 48 Kamana St Suite #103 | (808) 969-7174 |
| 4 | Fast Insurance Agency HI | 218 Kamehameha Ave | (808) 645-4364 |
| 5 | Mind Insurance HI | 344 Kilauea Ave | (808) 646-3602 |
| 6 | Trust Guard Insurance HI | 451 Kekuanaoa St | (808) 736-1914 |
| 7 | Business Insurance Services Inc | 1080 Kilauea Ave | (808) 935-1888 |
| 8 | Hawaiian Islands Insurance, Inc. | 166 Kamehameha Ave #8 | (808) 933-3000 |
| 9 | Daniel De Soto Insurance | 275 Ponahawai St # 105 | (808) 961-3207 |
| 10 | American Mutual Group | Century Bldg, 80 Pauahi St STE 105 | (808) 969-1688 |
Iris Kuwaye - State Farm Insurance Agent serves the Hilo, Hawaii metro area, providing umbrella insurance policies to local residents and businesses. This agency helps clients protect their assets by offering additional liability coverage that extends beyond standard home and auto insurance limits. Umbrella insurance through this office safeguards policyholders from major claims and lawsuits that could otherwise deplete savings. The agency handles personal umbrella policies and commercial umbrella coverage for operations based in the Hilo region.
Claire Justo - State Farm Insurance Agent in Hilo, HI, provides umbrella insurance services that extend liability coverage beyond standard home and auto policies. This coverage helps protect personal assets from major claims and lawsuits. The agency offers straightforward guidance in selecting appropriate coverage limits. Service includes policy reviews to adapt to changing needs. It serves single-family homes, apartments, retail, and restaurants.
Pyramid Insurance in Hilo serves homeowners, businesses, and property managers seeking additional liability coverage beyond standard policies. As an umbrella insurance agent, it helps clients protect assets against major claims and lawsuits. The agency works closely with local residents and commercial operators throughout the Hawaii County area. Its services cover high-limit protection for accidents, property damage, and personal injury risks common on the Big Island. The agency also extends coverage assistance to clients in the neighboring Puna district.
Serving Hilo and the surrounding communities on the Big Island, Fast Insurance Agency HI handles umbrella insurance policies that extend extra liability protection beyond standard home and auto coverage. This type of policy helps safeguard personal assets against major claims or lawsuits. The agency works with clients to determine appropriate coverage limits that fit individual risk profiles. It approaches each job by carefully reviewing existing underlying policies and recommending a suitable umbrella layer to close any potential coverage gaps.
Specializing in personal and commercial umbrella liability coverage, Mind Insurance HI helps clients in Hilo secure an extra layer of protection beyond standard homeowners or auto policies. The agency guides individuals and businesses through assessing their unique risk exposure, advising on appropriate policy limits to safeguard assets from major claims or lawsuits. As a year-round necessity, this coverage becomes particularly valuable during Hawaii’s rainy season, when property damage and third-party liability risks from storm runoff and flash flooding increase significantly.
When heavy rains from a passing storm threaten the Big Island, homeowners in Hilo turn to Trust Guard Insurance HI for comprehensive liability protection. This agency specializes in umbrella insurance, which offers an extra layer of coverage beyond standard auto or homeowners policies. Clients benefit from tailored guidance on personal liability risks common to the island’s unique weather and terrain. An initial consultation is conducted to review existing policies and identify potential exposure gaps, ensuring appropriate coverage levels are recommended.
Business Insurance Services Inc in Hilo, HI provides umbrella insurance agent services. They offer either a one-time policy purchase for increased liability coverage beyond underlying limits or a recurring annual premium plan for sustained protection. Their coverage options help safeguard assets against large claims resulting from major accidents or lawsuits. Consultations and policies are available on an as-needed basis, tailored to individual client circumstances and risk exposure without requiring a set schedule.
Hawaiian Islands Insurance, Inc. in Hilo assists clients with protecting assets from major liability claims. Umbrella coverage adds a vital extra layer beyond standard policies, safeguarding personal and business finances against expensive lawsuits and judgments. These policies kick in after primary limits are exhausted, offering crucial protection for island properties and enterprises. The agency adjusts supplementary liability limits to match individual risk profiles. Its commercial umbrella services extend to a variety of business types, including offices, warehouses, and food service operations.
Daniel De Soto Insurance provides residential umbrella liability coverage for homeowners in Hilo, offering added protection beyond standard home policies. The agency also serves commercial clients, ensuring businesses on the Big Island have broader liability safeguards. Service extends throughout the surrounding Hawaii County areas. Each policy is reviewed carefully to meet individual coverage needs. Follow-up service is readily available to adjust limits or answer questions between regular policy reviews or renewal visits.
What Does an a Umbrella Insurance Agent in Hilo Cost?
The cost of an umbrella insurance policy in Hawaii typically ranges from 150 to 300 dollars per year for one million dollars in coverage. Factors that affect the premium include your driving record, the number of properties you own, and your claims history. Rates may be slightly higher on the Big Island due to increased risk from volcanic activity or coastal flooding. This is general information and not insurance advice.
About umbrella insurance agents in Hilo
An umbrella insurance agent in Hilo can help you secure extra liability coverage that goes beyond your standard home and auto policies. Hawaii law requires all drivers to carry minimum liability insurance, but an umbrella policy adds an additional layer of protection for your savings and future earnings. Many Hilo residents choose umbrella insurance to guard against claims from accidents on their property or while driving on the Big Island.
Frequently Asked Questions
What does an umbrella insurance policy cover in Hawaii?
An umbrella policy provides extra liability coverage above your home and auto insurance limits. It can cover legal defense costs and pay for damages if you are sued for an accident. In Hawaii, this is especially important for claims related to slip and fall incidents or car accidents on winding roads.
How much umbrella coverage do I need in Hilo?
Most agents recommend at least one million dollars in umbrella coverage. The right amount depends on your assets, income, and risk factors. A local agent in Hilo can review your situation and help you choose a limit that fits your needs.
Can I get umbrella insurance if I do not own a home in Hawaii?
Yes, you can get umbrella insurance even if you rent a home or apartment in Hilo. You must have an underlying auto or renters insurance policy first. The umbrella policy will then extend your liability coverage for incidents at your rental or while driving.