Your insurance coverage may follow you to your new rental. You should always notify your agent or carrier when you move as it could affect the policy premium and coverages.

Each individual should obtain their own insurance. Couples who are married may obtain one insurance policy.

Payment options are full pay and two pay installments. There is no installment service fee. Payment options are accepted by personal check or credit card.

• Personal Property
  • Renters insurance can provide coverage to protect your personal belongings owned or used by you within your home and follows you while you are anywhere in the world.
• Loss of Use
  • If your home would be deemed unfit to reside in, your renters policy will provide assistance to pay for your temporary living expenses while your home is being repaired.
• Personal Liability
  • While renting a home you as a tenant may be held legally liable for any incidents that may occur on the premises
    • Property Damage — If you or your family member is liable for damages, your policy will help pay to replace it.
    • Bodily Injury — If a visitor sustained serious injury while at your premises for potential legal costs.
• Medical payments
  • Your renters insurance policy can provide medical payments to a guest or visitor at your residence that is injured.

When you rent a home or an apartment in Hawaii, your landlord is responsible for insuring the property against damages caused by fire and other disasters. But your landlord’s insurance probably doesn’t cover your belongings or your legal liability. If your personal property is damaged or someone is injured in your home, you may be responsible. As a renter, you have the option of buying renters insurance to protect you from the unexpected.

Renters insurance protects you and your personal belongings. A renters insurance policy offers you coverage for the theft, loss or destruction of your personal property in the event of an unforeseen disaster such as a fire or windstorm. Having renters insurance can help you recover your stolen or damaged items quickly, so that you can get back to the most important things in life.

In general, renters insurance in Hawaii can cover the following:

Personal Property

Think of everything you own. How much is it all worth? You may be surprised how much everything inside your home is worth when you add it all up. The average renter owns about $20,000 in personal property and, unfortunately, is about 25 percent more likely to be burglarized than someone who owns a home.

Renters insurance protects your belongings and can help you replace them if you ever experience a covered incident in your home.

Personal Liability

If someone is hurt in your apartment, you could be liable. Renters insurance protects you from these situations and can provide liability coverage for potential legal costs. Depending on the details of your renters insurance policy, your liability coverage may vary. Get a quote to see how DTRIC can help protect you against a personal liability claim.

Additional Living Expenses

What would you do if you could no longer go home? Most people rarely consider their options in the event that a fire or other disaster renders their rental home unlivable. Luckily, renters insurance can help pay for a place for you to stay and other costs of living while your home is repaired.