Homeowners Insurance
Your home is an important investment – protect it from damage, mishaps, and other unfortunate events with Hawaii homeowners insurance coverage from DTRIC.
What is Homeowners Insurance?
A homeowners insurance policy consists of two major components: Property Protection and Liability Protection. Homeowners insurance provides added protection for your home, family, and personal property from financial losses or liability as a result of events outlined in your policy.
Property Protection insures your home and property from certain natural disasters and perils such as fire, storms, theft and vandalism. It also protects your personal property while you are away from home. For example, if you are on vacation in Europe and your camera and clothes are stolen, those items are covered since they are considered personal property.
Liability Protection insures you if someone is injured on your property. For example, if a guest is hurt as a result of a fall in your home and files a lawsuit, your policy provides coverage for defense costs, liability claims, and medical expenses.
BASIC HOMEOWNERS COVERAGES AND HOW THEY WORK:
| Coverage | What it Protects |
|---|---|
| Dwelling | Provides coverage for damages to your residence, including structures attached to the home. |
| Other Structures | Provides coverage for other structures, if any, located on the premises that are not connected to the home, such as a detached garage or storage shed. |
| Personal Property | Provides coverage for loss or damage to your personal property worldwide for its actual cash value. Personal Property refers to the wide variety of personal items in a household, including furniture, appliances, clothing and jewelry, artwork, electronics, and more.*
*Special limits may apply. |
| Loss of Use | Provides coverage if your home is damaged due to an event covered by your policy, cannot be occupied, and requires you to stay in a hotel, motel or other temporary lodging while your home is being repaired. |
| Personal Liability | Provides coverage for yourself against defense costs and liability claims if someone is injured on your property. |
| Medical Payment to Others | Provides coverage to pay necessary medical expenses for others if they are injured on your property or injured as a result of your actions. |
Insurance Discounts
As a DTRIC customer, you can count on getting the coverage you need at competitive rates with the personal attention you deserve. To ensure that you get the best value, our experienced DTRIC representatives will look for ways to help you. For example, you can save up to 25% on your Hawaii homeowners insurance by bundling your home and auto insurance together with our HomeAuto AdvantageTM. Here are some of the money-saving discounts available to DTRIC customers:
- Loss-Free Discount: Save up to 25% on the basic homeowner premium with three consecutive years of loss-free experience.
- New Construction Discount: Save up to 25% on the basic homeowner premium if your home was built within the last 15 years.
- Continuous Coverage Discount: Save up to 8% on the basic homeowner premium if you have maintained continuous homeowner insurance with a valid carrier.
- HomeAuto AdvantageTM Discount: Save up to 25% on your homeowners premium when bundled with a DTRIC auto policy.
Equipment Breakdown
Many of today’s homes contain modern-day conveniences that provide homeowners with added comfort and safety. But some essential equipment, such as computers, cooling systems, and home appliances, are often prone to mechanical and/or electrical breakdown and most homeowners’ policies exclude these types of losses. To help you protect your investments, we offer our homeowner policyholders DTRIC’s Equipment Breakdown (DEB) coverage at no additional cost. For more information on our DEB coverage, please click here.
Hurricane Insurance
Hurricane insurance is supplemental coverage to home insurance. It protects your dwelling and personal property from damages caused by hurricane conditions as declared by the National Weather Service. In Hawaii, banks require homeowners to have hurricane insurance as part of their mortgage approval. DTRIC provides hurricane coverage through GeoVera Insurance Company and Zephyr Insurance Company.
Hurricane Insurance
Hurricane insurance is supplemental coverage to home insurance. It protects your dwelling and personal property from damages caused by hurricane conditions as declared by the National Weather Service. In Hawaii, banks require homeowners to have hurricane insurance as part of their mortgage approval. DTRIC provides hurricane coverage through GeoVera Insurance Company and Zephyr Insurance Company.
Payment Plans
Homeowners insurance premiums can be paid in full or in two biannual payments. For your convenience, we accept cash, checks, credit cards, and check/debit cards (VISA, MasterCard, American Express, Discover Card and JCB).
Get a Homeowners Quote
Our knowledgeable DTRIC representatives can assist you with a free, no-obligation home insurance quote – just call 808-923-8742 or 1-877-923-8742 (neighbor islands toll-free) to get started. You can also request a homeowners quote online. For faster service, be sure to have your current insurance policy handy.
Prefer to work with an independent insurance agent? Find an agent near you.