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Find Umbrella Insurance Agents Near You in Kapaʻa, HI
Directory of umbrella insurance agents in Kapaʻa, Hawaii. Verify credentials with the state department of insurance before hiring.
4 agents listed
Updated May 2026
Kapaʻa, HI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Hawaii before hiring.
Showing 4 umbrella insurance agents in Kapaʻa, HI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Donovan Gardner: Allstate Insurance
4-901 Kuhio Hwy Ste 112, Kapaʻa, HI 96746
(808) 212-9848
agents.allstate.com
Darrellyn Lemke - State Farm Insurance Agent
4-1593 Kuhio Hwy, Kapaʻa, HI 96746
(808) 822-7335
darrellynlemke.com
Hawaiʻi Life
4-1379 Kuhio Hwy Suite 101, Kapaʻa, HI 96746
(800) 370-3848
hawaiilife.com
Insurance Factors
5196 Kome St, Kapaʻa, HI 96746
(808) 822-3097
insurancefactors.com
Umbrella insurance agents in Kapaʻa help residents obtain extra liability coverage that goes beyond standard home and auto policies. In Hawaii, where property values and tourism-related risks are high, umbrella insurance can provide crucial protection against lawsuits. Local agents understand the unique needs of Kauai homeowners and business owners.
What Does a Umbrella Insurance Agent in Kapaʻa Cost?
In Hawaii, a 1 million dollar personal umbrella policy typically costs between 150 and 300 dollars per year. Costs vary based on your home, auto, and watercraft policies, as well as your claims history and risk factors. Your Kapaʻa agent can provide a specific quote after reviewing your current coverage. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Kapaʻa do?
An umbrella insurance agent helps you purchase a personal umbrella liability policy. This policy provides additional coverage above your auto and homeowners insurance limits. It can protect your savings and future income from large claims.
How much umbrella insurance do I need in Hawaii?
Most agents recommend at least 1 million dollars in umbrella coverage. In Hawaii, high property values and frequent tourist activity can increase lawsuit risks. Your agent will evaluate your assets and exposure to suggest an appropriate limit.
Is umbrella insurance required by law in Hawaii?
No, umbrella insurance is not required by Hawaii state law. However, it is strongly recommended if you have significant assets or face higher liability risks. Hawaii Revised Statutes do not mandate this coverage, but it can protect you from financial loss.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Hawaii.