Business Details
26 Years
experience
Emergency
services
Hurricane Insurance Solutions in Hawaii
Zephyr Insurance Company was founded to provide hurricane insurance for Hawaii homeowners through a network of local agents. Locally based and managed, the company is staffed by insurance professionals committed to Hawaii's long-term resilience. Wholly owned by Heritage Insurance Holdings, Inc. (NYSE: HRTG), Zephyr combines personalized service with the financial strength of a publicly traded company. The company's mission focuses on delivering superior hurricane coverage with price stability, outstanding customer service, and a commitment to responsiveness, professionalism, and stakeholder confidence.With a history dating to 2000 and a Demotech Financial Stability Rating of Exceptional, Zephyr maintains strong relationships with major homeowners insurers and a secure reinsurance program. The company's hurricane policies begin coverage when a hurricane watch/warning is issued by the National Weather Service, offering replacement cost coverage for dwellings and structures.
Services
Hurricane Insurance
Homeowners Insurance
Condo Insurance
Renters Insurance
Policy Management
Details
- Year established: 2000
Highlights and features
- 25+ years of Hawaii-specific hurricane insurance expertise
- Financial Stability Rating of Exceptional from Demotech, Inc.
- Replacement cost coverage for dwellings and structures
- Dedicated hurricane claims specialists available 24/7
- Rate credits for wind-resistant construction features
Associations and certifications
- Demotech, Inc.
Services
Hurricane Insurance
Zephyr provides specialized hurricane insurance for Hawaii homeowners, covering windstorm damage during hurricane watches/warnings. Policies include replacement cost coverage for dwellings and structures, with deductible options from 1-5%. Additional protections cover debris removal, reasonable repairs, and ordinance compliance up to 10% of coverage limits.
Homeowners Insurance
Our HO3 policies protect single-family homes, townhouses, and duplexes against common perils like fire and theft. Coverage includes personal liability, loss of use, and personal property protection. Optional endorsements enhance coverage for jewelry, identity theft, and dog liability while maintaining compliance with mortgage requirements.
Condo Insurance
Zephyr's HO6 policies cover owner-occupied and tenant-occupied condo units, including personal liability and contents protection. Policies address unique condo needs with coverage for loss assessments and permanently attached building items. Optional endorsements expand protection for identity theft and dog liability.
Renters Insurance
Our tenants policies protect renters' personal property and provide liability coverage. Policies include medical payments to others and contents protection with optional replacement cost coverage. This essential protection helps renters recover from covered losses while meeting landlord requirements.
Claims Management
Zephyr partners with specialized adjusters like Crawford & Company to handle hurricane claims efficiently. The process includes damage assessment, documentation review, and timely payments. Policyholders receive dedicated support through online filing options and 24/7 phone assistance during hurricane season.
Questions
Why do I need hurricane insurance in Hawaii?
Hurricane insurance protects your home and financial security against catastrophic wind damage. Most mortgage lenders require this coverage for Hawaii homeowners.
How are hurricane insurance premiums determined?
Premiums depend on construction type, building year, coverage amount, retrofitting features, and deductible choices. Loyalty credits apply for continuous coverage.
When does hurricane coverage activate?
Coverage begins when the National Weather Service issues a hurricane watch/warning for your island and remains active for 72 hours after the warning ends.
Can I get premium discounts?
Yes. Credits are available for wind-resistant construction, higher deductibles (3%+), and long-term policyholder loyalty. Consult your agent for eligibility.
How do I file a claim?
Contact your insurance agent first. If unavailable, call Zephyr directly at (808) 440-5400 or use our online claims portal for immediate assistance.
What does hurricane insurance cover?
Coverage includes windstorm damage to dwellings, other structures, personal property, and loss of use. Additional protections cover debris removal, emergency repairs, and ordinance compliance.
