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Homeowner's Insurance
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05-01-2019, 02:12 AM
Searched the forum but didn't find much.
Looking for replacement coverage, liability, hurricane (or "wind" as in the case of Iselle). Who do you like? Thanks  
05-01-2019, 08:05 AM
I been using Allstate for 25 years. When Iselle hit...they were at my home the day after with a check in hand (wind damage). They also cover Hurricanes but sub it out to Zephyr.
05-01-2019, 11:27 AM
State Farm does not insure houses near the ocean. Not sure the cutoff, but they wouldn’t insure us and we aren’t oceanfront.
Puna: Our roosters crow first
Puna: Our roosters crow first
05-01-2019, 12:27 PM
We use Dongbu because they are cheapest, but their online reviews are brutal. Will probably be looking to switch, so interested in everybody's answers too.
05-03-2019, 04:19 AM
I tried State Farm in Keaau and although their homeowner's quote was okay I thought their wind quote was pretty high because they were not willing to shop around, but just used State Farm's wind insurance. My mortgage lender recommended a State Farm broker in Oahu (Larry Welsch) who gave me the same quote on property but used an outside company for wind that was hundreds of dollars cheaper than the State Farm Keaau quote.
05-03-2019, 02:10 PM
This is who we use:
Joe Marsh Agent Business Insurance Services, Inc. 1080 Kilauea Ave Hilo, Hi, 96720 Direct 808-935-1865 Office 808-935-1888 Fax 808-443-2468 www.bisihi.com Reps several different companies and was able to wizard up some quotes using one company for some things and another for the wind. Despite the name they do home owners insurance- was recommended to us by mortgage broker Karen Kline. He also found us farm insurance.
05-04-2019, 03:39 PM
I have Allstate/Zephyr as well. No problems but I also haven't had to call on them for damages. The previous owners of my house had State Farm so I initially tried to go with them; called multiple offices, none ever picked up the phone or returned my calls so I figured they didn't really care.
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