Hawaii Renters Insurance

Hawaii Renters Insurance

When you’re renting a house or apartment, it’s important to protect your personal assets.  Hawaii Renters insurance provides that extra security in addition to the policy your landlord has on your residence.

What Is Renters Insurance?

A renters policy consists of two major components:  Personal Property Protection and Liability Protection.

Personal Property Protection protects your personal property against 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 rented residence or for damage to another person’s property if an incident occurred within your rented residence.  For example, a guest is injured in a fall in your rented residence and files a liability lawsuit against you.

 

Basic Renters Coverages and How they Work:
Coverage What it Protects
Personal Liability Provides coverage for yourself against defense costs and liability claims if someone is injured in the rented house or apartment you live in or their property is damaged as a result of your actions.
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, decorative pieces and clothing.
Medical Payment to Others Provides coverage for yourself to pay for necessary medical expenses for others if they are injured on the rented house or apartment you live in or injured as a result of your actions.
Loss of Use Provides coverage for the loss of use of the rented house or apartment you live in that 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 rented residence is being repaired.

 

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 you get a great value, our experienced insurance representatives will look for ways to save you money.  For example, you can save up to 25% off your renters premium by bundling your renters 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 renters premium with three consecutive years of loss-free experience.
  • Continuous Coverage Discount:  Save up to 8% off the basic renters premium if you have maintained continuous renters insurance with a valid carrier.
  • HomeAuto AdvantageSM Discount:  Save up to 25% off your renters 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).

Get a Renters Quote

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

Prefer to work with a DTRIC agent? Click here to find an agent near you.