Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner in Honolulu, HI
Since 1915, Hawaiian Insurance & Guaranty has been a trusted partner for residents and businesses across Hawaii, providing comprehensive insurance solutions tailored to the unique needs of our island communities. Our deep-rooted commitment to the people of Hawaii is reflected in our decades of service, local expertise, and active support for community organizations. With an experienced management team and a focus on weather-exposed regions, we deliver reliable property and automobile insurance coverage where it is needed most. Our A rating from Demotech, Inc. and B rating from A.M. Best Company underscore our financial strength and dedication to policyholders. As part of the Ocean Harbor Insurance Group, we combine national resources with local insight to protect homes, businesses, and livelihoods.Our team, many of whom were born and raised in the Islands, understands the distinct lifestyle and challenges faced by our clients. From homeowners and renters to businesses and commercial properties, we offer customizable policies that address both everyday risks and catastrophic events like hurricanes. Our community involvement spans decades, supporting organizations such as U.S. Vets, Boys and Girls Club of Maui, and Muscular Dystrophy Association. With operations based in Downtown Honolulus Pioneer Plaza, we remain steadfast in our mission to serve Hawaii residents with integrity, transparency, and unwavering support. As the insurance landscape evolves, our pledge to innovate while maintaining personalized service ensures we continue meeting the needs of our valued policyholders.
Services
Home Insurance
Business Insurance
Condo Insurance
Renters Insurance
Hurricane Coverage
Details
- Year established: 1915
Highlights and features
- We have over 100 years of experience insuring Hawaii residents and businesses.
- Our team includes local experts who understand island-specific risks and needs.
- We maintain strong financial ratings from Demotech and A.M. Best Company.
- We specialize in coverage for weather-exposed regions across multiple states.
- Our community involvement spans decades of supporting Hawaii organizations.
Associations and certifications
- Demotech, Inc.
- A.M. Best Company
Services
Home Insurance
Our homeowners insurance protects against property damage, personal liability, and additional living expenses. Policies include optional hurricane coverage and scheduled personal property protection. We offer discounts for security systems, loss-free records, and multi-policy bundling.
Business Insurance
Business owners policies cover property, liability, and operational risks up to $1,000,000. Optional hurricane coverage and equipment breakdown protection address industry-specific needs. Tailored solutions support home-based and commercial enterprises.
Hurricane Coverage
Optional hurricane coverage safeguards properties against windstorm damage. Available as an add-on for homeowners, condos, and businesses in high-risk zones. Policy limits ensure comprehensive protection during catastrophic events.
Renters Insurance
Renters policies protect personal property against theft and damage while providing liability coverage. Affordable plans include loss assessment and fair rental value protections for apartment dwellers.
Condo Insurance
Condo insurance covers unit interiors, personal assets, and liability claims. Policies include loss assessment coverage and optional improvements/betterments protection for customized living spaces.
Questions
What areas does Hawaiian Insurance and Guaranty serve?
We primarily serve Hawaii residents and businesses in locations including Honolulu, Hilo, Kahului, and Kailua-Kona. Our property coverage extends to weather-exposed regions across Florida, New York, and the Pacific Northwest.
What types of insurance do you offer?
We provide homeowners, renters, condo, and business insurance with optional hurricane coverage. Additional protections include debris removal, scheduled personal property, and employee dishonesty coverage.
How does HIG support local communities?
We actively support Hawaii organizations like U.S. Vets, Boys and Girls Club of Maui, and Muscular Dystrophy Association through donations and community engagement initiatives.
What financial ratings does HIG hold?
HIG maintains an A rating from Demotech, Inc. and a B rating from A.M. Best Company, reflecting our financial stability and ability to meet policyholder obligations.
Can I get hurricane coverage for my business?
Yes, we offer optional hurricane coverage for commercial properties up to $1,000,000. This protection addresses windstorm damage risks in high-exposure regions.
