The top-rated umbrella insurance agent in Kailua-Kona, Hawaii is Nakoa Kai Insurance Professionals: Allstate Insurance, rated 4.9 stars across 110 reviews. Other highly rated options include Matt DeMille - State Farm Insurance Agent, Lance Matsumura - State Farm Insurance Agent, Aloha Insurance Services Inc. This directory lists 12 umbrella insurance agents serving Kailua-Kona.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Nakoa Kai Insurance Professionals: Allstate Insurance | 75-167 Hualalai Rd Ste 101 | (808) 326-1125 |
| 2 | Matt DeMille - State Farm Insurance Agent | Hale Ku'i Plaza, 73-4976 Kamanu St #201 | (808) 331-1113 |
| 3 | Lance Matsumura - State Farm Insurance Agent | 75-240 Nani Kailua Dr APT 12 | — |
| 4 | Aloha Insurance Services Inc | 75-5931 Walua Rd #100 | (808) 334-0044 |
| 5 | Liberty Insurance Agency | 75-5586 Ololi Rd | (808) 515-6427 |
| 6 | Keinnen Kato - State Farm Insurance Agent | 75-5722 Kuakini Hwy # 210 | (808) 327-5433 |
| 7 | Hawaiian Hurricane Group LLC | 75-5706 Hanama Pl # 203 | (808) 498-4270 |
| 8 | Atlas Insurance Agency | 75-167E Hualalai Rd | (808) 329-4844 |
| 9 | Paradise Insurance LLC | 74-5620 Palani Rd #205 | (808) 315-7207 |
| 10 | Safe Secure Insurance Agency HI | 75-5591 Palani Rd # 2004 | (808) 930-1222 |
Nakoa Kai Insurance Professionals: Allstate Insurance serves the Kailua-Kona, HI area as an umbrella insurance agent. This firm offers personal umbrella liability policies that provide additional coverage beyond standard auto and homeowners insurance limits in the community. Umbrella insurance helps protect local residents from major claims and lawsuits. The agency also handles the specific service of assessing existing homeowners and auto policies to recommend appropriate umbrella liability limits for Kona properties and families.
Matt DeMille - State Farm Insurance Agent serves homeowners, businesses, and property managers in Kailua-Kona, Hawaii, seeking umbrella insurance for extra liability protection beyond standard policies. The agency provides coverage that helps shield assets from major claims or lawsuits, filling gaps in existing home and auto policies. This approach gives clients a broader safety net for unforeseen incidents. The agent serves the greater Kailua-Kona area, extending coverage to clients in nearby Holualoa and the surrounding North Kona district.
Serving Kailua-Kona and the surrounding communities of the Big Island, Aloha Insurance Services Inc offers umbrella insurance agent services. The agency handles supplemental liability coverage designed to provide protection beyond the limits of auto, homeowners, and other underlying policies. This type of insurance addresses the financial risks associated with major claims or lawsuits. For a typical client, it reviews existing policy limits and personal assets to recommend an appropriate level of extended liability coverage.
On the Big Island, where heavy rainfall and lava zone exposures can create unpredictable liability risks for homeowners and businesses, Liberty Insurance Agency serves Kailua-Kona by offering umbrella insurance policies that extend coverage beyond standard limits. These policies help protect assets from major claims, such as those arising from accidents on steep coastal driveways or guest injuries during oceanfront rentals. To start this process, the agency conducts a comprehensive review of an applicant’s current underlying policies and property exposures during an initial assessment.
For umbrella insurance clients in Kailua-Kona, Keinnen Kato - State Farm Insurance Agent offers a distinction between one-time policy setups and recurring coverage tailored to evolving liability needs. An umbrella insurance policy provides extended liability protection beyond standard home and auto policies, offering additional financial security against major claims. The agent assists clients in evaluating their risk exposure to determine appropriate coverage levels. Service runs on an as-needed basis, with policy reviews and updates available upon request to address changing circumstances or new assets.
Hawaiian Hurricane Group LLC serves Kailua-Kona residents by securing personal umbrella policies that extend liability protection beyond homeowners and auto coverage. For commercial clients, the agency also provides excess liability options for businesses operating in Hawaii’s unique island environment. This Kailua-Kona office assists property owners throughout the Big Island. Coverages are reviewed during each policy period, helping insureds maintain appropriate limits as local conditions change. The agency schedules follow-up consultations between regular policy renewals to address any new exposures or coverage adjustments.
Atlas Insurance Agency provides personal and commercial insurance solutions to clients in Kailua-Kona, Hawaii. As umbrella insurance agents, they extend liability coverage beyond standard policy limits, offering an extra layer of financial protection for serious claims or lawsuits. This specialty coverage safeguards assets against unforeseen events, bridging gaps that traditional policies leave uncovered. Atlas Insurance Agency serves a variety of commercial sectors, including offices, warehouses, and food service operations.
Paradise Insurance LLC offers specialized umbrella insurance policies, providing an additional layer of liability coverage beyond standard home and auto policies. The agency serves clients throughout Kailua-Kona, helping residents protect their assets from major claims and lawsuits. Umbrella insurance from this firm extends coverage limits for accidents, property damage, and personal injury claims that can arise unexpectedly. With Kailua-Kona’s active tourism and outdoor lifestyle, the agency assists homeowners and businesses in preparing for increased liability risks during peak visitor seasons.
Safe Secure Insurance Agency HI, based in Kailua-Kona, is known for providing umbrella insurance coverage that extends liability protection beyond standard home and auto policies. Its service range includes helping homeowners and vehicle owners increase their personal liability limits to safeguard assets from large claims or lawsuits. The agency works with clients to evaluate potential gaps in existing insurance portfolios. As a specialty service, it can add on excess liability coverage tailored for properties near Kailua-Kona’s coastal areas.
What Does an a Umbrella Insurance Agent in Kailua-Kona Cost?
Typical cost for a 1 million dollar umbrella policy in Hawaii ranges from 150 to 300 dollars per year. Premiums depend on your number of homes cars and boats. Costs are lower if you buy the umbrella from the same company as your other policies. This is general information and not insurance advice.
About umbrella insurance agents in Kailua-Kona
An umbrella insurance agent in Kailua-Kona can help you add an extra layer of liability protection on top of your home and auto policies. Hawaii law requires minimum liability coverage for drivers, but a serious accident can quickly exceed those limits. An umbrella policy helps cover legal costs and judgments, giving you peace of mind in the Aloha State.
Frequently Asked Questions
What does an umbrella insurance agent in Kailua-Kona do?
An umbrella insurance agent helps you buy a personal liability policy that kicks in after your other insurance limits are used up. They assess your assets and risks to recommend the right coverage amount. This is important in Hawaii because property values and lawsuit costs can be high.
How much umbrella coverage do I need in Hawaii?
Most agents recommend at least 1 million dollars in umbrella coverage. Your net worth and future earnings help determine the right amount. Hawaii has no cap on personal injury damages, so higher limits can protect you better.
Is umbrella insurance required by law in Hawaii?
No, umbrella insurance is not required by Hawaii law. However, Hawaii does require minimum auto liability insurance of 20 thousand dollars per person and 40 thousand per accident. An umbrella policy provides extra protection beyond these state minimums.