Insurance

Feel free to download and share the consumer information below. If you have any questions, please contact the Insurance Division at (808) 586-2790 or [email protected].

Understanding and Reviewing Your Insurance Policies
(PDF) My Insurance Doesn’t Cover What?
(PDF) Annual Review of Your Insurance Policies

Filing a Claim
What You Need to Know When Filing a Homeowners Claim
(PDF) Post-Disaster Claims Guide
(Video) How to File a Claim
Fire Claim Information

Disasters
(PDF) What the Flood!
National Flood Insurance Program
(PDF) Tips for Storm Claims
(PDF) Tips for Heavy Rain Claims
(PDF) Home Insurance & Lava Flow FAQs
(PDF) Frequently Asked Questions on Hurricane Insurance
(PDF) Guide to Hurricane Strengthening for Hawaii Single-Family Residences
Preparing for Natural Disasters

Home Insurance
The 2025 Home Insurance Premium Comparisons reflect rates that are in effect as of the date printed on the table’s upper right bar. The 2025 Home Insurance publications will be updated throughout the year. 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.
NEW! (PDF) Homeowners Insurance Guide and Premium Comparison (2025 Publication 24-12)
NEW! (PDF) Condominium Unit Owners Insurance Guide and Premium Comparison (2025 Publication 24-12)
NEW! (PDF) Renters Insurance Guide and Premium Comparison (2025 Publication 24-12)
Prior Home Insurance Guides and Premium Comparisons
(PDF) Homeowners Insurance Information
(PDF) Homeowners Insurance Information for First Time Buyers
(PDF) Tips for Condo Insurance Claims

Motor Vehicle Insurance
NEW! (PDF) Motor Vehicle Premium Comparison Guide (2025 Publication)
(PDF) Motor Vehicle Customer Complaint Ratios for 2021
Prior Motor Vehicle Premium Comparison Guides

Health Insurance
(PDF) Hawaii Patients’ Bill of Rights
(PDF) 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
ACA Marketplace for Individuals and Families – HealthCare.gov
Small Business Health Options (SHOP)

Insurance Fraud
(PDF) What is Insurance Fraud?

National Association of Insurance Commissioners (NAIC)
Insure U – Get Smart About Insurance