Hawaii Home Owners Insurance

Hawaii Home Owners Insurance

Your home is an important investment – protect it from damage, mishaps and other unfortunate events with Hawaii home owners insurance coverage from DTRIC.

What is homeowners insurance?

Homeowners insurance provides added protection for your home, personal property and family from financial losses or liability as a result of events outlined in your policy.  A homeowners policy consists of two major components:  Property Protection and Liability Protection.

Property Protection  insures your home and property from such perils as fire, theft and vandalism.  It also protects your personal property while you are away from home in the continental United States or worldwide.  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 injured as a result of a fall in your home and files a liability lawsuit against you.

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.
Personal Property Provides coverage for loss or damage to your personal property worldwide for its actual cash value. Personal Property refers to the endless variety of personal items found in almost any household, such as furniture, appliances, decoratives and clothing.
Loss of Use Provides coverage for the loss of use of your home if it is damaged due to an event covered by your policy and cannot be occupied and you must 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 or if someone is injured or their property damaged as a result of your actions.
Medical Payment to Others
Provides coverage for yourself to pay for necessary medical expenses for others if they are injured on your property or injured as a result of your actions.

DTRIC’s Equipment Breakdown Coverage *NEW!*

Many of today’s homes contain modern-day conveniences that provide homeowners with added comfort and safety.  But this essential equipment, which includes items such as computers, cooling/heating systems and home appliances, are often subject to mechanical and/or electrical breakdown – and most homeowners policies typically 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 protects your dwelling and personal property from damages caused by hurricane conditions as declared by the National Weather Service.  DTRIC provides hurricane coverage through GeoVera Insurance Company and Zephyr Insurance Company.

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 Customer Care representatives will look for ways to save you money.  For example, you can save up to 25% off your Hawaii home owners insurance by bundling your home and auto insurance together with our HomeAuto AdvantageSM.  Here are some of the money-saving discounts available to DTRIC customers:

  • Loss-Free Discount:  Save up to 25% off the basic homeowner premium with three consecutive years of loss-free experience.
  • New Construction Discount:  Save up to 25% off the basic homeowner premium if your home was built within the last 15 years.
  • Continuous Coverage Discount:  Save up to 8% off the basic homeowner premium if you have maintained continuous homeowner insurance with a valid carrier.
  • HomeAuto AdvantageSM Discount:  Save up to 25% off your homeowners premium when bundled with a DTRIC auto policy.

Payment Plans

Renters insurance premiums can be paid in full or in two biannual payments when coverage is purchased. For your convenience, we accept cash, checks, credit cards and check/debit cards (VISA, MasterCard, American Express, Discover Card and JCB).


Our knowledgeable Customer Care representatives can assist you with a free, no-obligation home quote – just call 92-DTRIC (923-8742) or 1-877-923-8742 (Neighbor Islands toll free) to get started.  You can also request a homeowners quote online by clicking here.  For faster service, be sure to have your current insurance policy handy.

Hawaii Home Owners Insurance

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