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Insurance Division Consumer Resources

Feel free to download and share the consumer information below. If you have any questions, please contact the Insurance Division at 1-844-808-DCCA (3222) or [email protected].

Understanding and Reviewing Your Insurance Policies

My Insurance Doesn’t Cover What? (PDF)

Annual Review of Your Insurance Policies (PDF)

DTRIC Insurance Exit FAQ’s (PDF)
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Filing a Claim

What You Need to Know When Filing a Homeowners Claim

Post-Disaster Claims Guide (PDF)

How to File a Claim (Video)

Fire Claim Information

Disasters

What the Flood! (PDF)

National Flood Insurance Program

Tips for Storm Claims (PDF)

Tips for Heavy Rain Claims

Home Insurance & Lava Flow FAQs

Frequently Asked Questions on Hurricane Insurance

Guide to Hurricane Strengthening for Hawaii Single-Family Residences

Home Insurance

The Premium Comparisons below reflect rates that are in effect as of the date printed on the table’s upper right bar. They are intended to be a tool to help consumers interested in comparison shopping. Consumers are encouraged to speak directly with their insurance agents for the most current information about their specific needs.

Homeowners Insurance Guide and Premium Comparison (2026 Publication) (PDF)
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Condominium Unit Owners Insurance Guide and Premium Comparison (2026 Publication) (PDF)
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Renters Insurance Guide and Premium Comparison (2026 Publication) (PDF)
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Prior Home Insurance Guides and Premium Comparisons

Homeowners Insurance FAQs (PDF)

Homeowners Insurance Information (PDF)

Homeowners Insurance Information for First Time Buyers (PDF)

Condo Insurance FAQs (PDF)

Tips for Condo Insurance Claims (PDF)

Motor Vehicle Insurance

Motor Vehicle Premium Comparison Guide (2026 Publication) (PDF)
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Prior Motor Vehicle Premium Comparison Guides

Auto Insurance FAQs (PDF)

Motor Vehicle Customer Complaint Ratios for 2021 (PDF)

Health Insurance

Hawaii Patients’ Bill of Rights (PDF)

Prior Motor Vehicle Premium Comparison Clarifying Issues Related to Open Enrollment Period of ACA Individual Market (PDF)

Individual On-Exchange Premium Comparison (40 year-old non-smoker) (PDF)

Health Care – Health Insurance on the Threshold of… 2018 Presentation (PDF)

CA Marketplace for Individuals and Families – HealthCare.gov

Small Business Health Options (SHOP)

Insurance Fraud

What is Insurance Fraud? (PDF)

National Association of Insurance Commissioners (NAIC)

Insure U – Get Smart About Insurance

SO WHAT CAN YOU DO TO GET SMART ABOUT YOUR INSURANCE?

Insure U – Get Smart About Insurance

Ever feel overwhelmed trying to figure out your insurance?
Well, now you have help. Together the State of Hawaii’s Insurance Division and the national organization for insurance regulators (National Association of Insurance Commissioners) developed a series of educational materials aimed at you, the consumer. The materials take into account your current stage of life and which insurance products you are most likely to need.

  • Young Singles – Out on your own for the first time
  • Young Families – Recently married with young children
  • Established Families – Now the kids are becoming teenagers
  • Empty Nesters and Seniors – Time to reevaluate your needs without children and plan for retirement
They say “Knowledge is power,” and now you have it all right here in easy to understand, everyday terms. Now everyone can feel “smart” about insurance. For more information, visit www.insureuonline.org where you can take the interactive “Insure U” quiz to see what you know about your coverage needs. The tips provided by NAIC are just the beginning. Refer to the Consumer Publications page (link on the left) of this site for more detailed materials related to specific types of insurance. Contact us with questions you may have.
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