Hawaiian Insurance and Guaranty, Limited, also known as HIG, is one of Hawaii's oldest insurance companies, having been in operation since 1915. For over a century, HIG has been dedicated to providing Hawaii residents with reliable insurance coverage that they can depend on. As a testament to our commitment, HIG holds an A rating from Demotech, Inc. and a B rating from A.M. Best Company, demonstrating our financial strength and stability.
At HIG, we take pride in being an important insurance resource for the people of Hawaii. We are dedicated to supporting the organizations and people in our island communities, as we understand the importance of giving back to the communities that have supported us for so long. Our community involvement includes supporting U.S. Vets Waipahu, AJA Baseball, Domestic Violence Action Center, Filipino-American Association, Boys and Girls Club of Maui, Easter Seals Hawaii, Keiki O Ka 'Aina Maui High School Foundation, West Oahu Baseball, Filipino Chamber of Commerce, and Muscular Dystrophy Association, among others.
Our experienced management team is committed to carrying out HIG's pledge to work diligently to remain a vital insurance resource for the people of Hawaii. We understand the unique needs of our island communities and are dedicated to providing insurance coverage that meets those needs.
Home Insurance
Protecting your home, condo, or rental property is essential, and at HIG, we offer a range of coverage options to meet your needs. Our home insurance coverage includes protection for your home, condo, or rental property, as well as your personal property. We also offer optional hurricane coverage for those living in areas prone to hurricanes.
Our home insurance coverage includes:
- Debris Removal
- Trees and Shrubs
- Credit Card and EFT
- Additional Living Expense
- Fair Rental Value
- Credit Card and EFT Loss Assessment
- Improvements and Betterments
- Rental Value
- Additional Living Expense
- Personal Liability
We also offer various discounts, including age of home, security systems, loss-free, newly purchased home, multi-policies, superior construction, premises alarms, union member, condominium security, loss-free, multi-policy, and premises alarms for secondary residence discounts.
Business Insurance
Whether your business is at home or in the office, it's essential to have the right insurance coverage to protect your business and assets. At HIG, we offer a range of business insurance coverage options to meet your needs. Our coverage includes:
- Business Personal Property
- Business Income
- Extra Expense
- Employee Dishonesty
- Money and Securities
- Accounts Receivable
- Computers and Media
- Valuable Papers and Records
- Ordinance or Law
- Limited Pollutant Removal
- Outdoor Property
- Personal Effects and Property of Others
- Backup of Sewers and Drains
- Fine Arts
- Property of Others
- Flood
- Earthquake
At HIG, we are dedicated to providing the people of Hawaii with reliable and affordable insurance coverage. With our experienced management team, we are committed to being an essential insurance resource for the people of Hawaii. Contact us today to learn more about our insurance coverage options and to get a free custom quote.
Problems with Renewal and Claims
Two reviewers have had unfortunate experiences with this company. Penny Ihaksi had trouble renewing her condo insurance, citing no explanation given by the company. Shawn Xiaosong Zeng, on the other hand, experienced issues with filing a claim for a leak in his apartment.
Inadequate Customer Service
Both reviewers express frustration with the company's customer service. Penny mentions that the company was unresponsive, while Shawn Xiaosong Zeng describes a lengthy and unsatisfactory process when trying to get assistance with his claim.
Unclear Coverage and Unreimbursed Expenses
Shawn Xiaosong Zeng's review highlights the company's unclear coverage and lack of reimbursement for expenses. He mentions that they were not covered for the leak damage and were left to pay thousands of dollars out of their own pocket.
Pushy Sales Tactics
Shawn Xiaosong Zeng also criticizes the company's sales approach, stating that they continued to send renewal bills and ask him to renew the policy despite the dissatisfaction with their services.
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