02-10-2010, 07:19 AM
If you had used the search function you would have found many posts about this subject including this one.
I helped puna residents collectively save about $150,000 in premium over the past 5 months.
I am offering a homeowners policy that does not surcharge for lava zone 2. Rates are comparable to zone 3 and higher with great hurricane rates as well. The main restriction for placing coverage with this insurer is that a fire station must be within 5 miles of the home and the home must be owner occupied. A volunteer station like the one in Hawaiian Beaches is acceptable. Spending time expanding volunteer stations to Kapoho/Kalapana would be very worthwhile.
For zone 2 rentals and homes farther than 5 miles from a fire station we have rates that are much better than HPIA. There is rarely a reason to stay with HPIA if you are in zone 2. Unfortunatlry Zone 1 is still stuck with HPIA with higher value homes going to LLoyds of London. Give me a call or send me an email for quotes.
Mahalo,
Dan De Soto
Mutual Underwriters
Insurance Agent
www.insurancehi.com
dan@mutualunderwriters.com
Tel: 808-961-3207
Fax: 808-969-1120
275 Ponahawai St., Ste#105
I helped puna residents collectively save about $150,000 in premium over the past 5 months.
I am offering a homeowners policy that does not surcharge for lava zone 2. Rates are comparable to zone 3 and higher with great hurricane rates as well. The main restriction for placing coverage with this insurer is that a fire station must be within 5 miles of the home and the home must be owner occupied. A volunteer station like the one in Hawaiian Beaches is acceptable. Spending time expanding volunteer stations to Kapoho/Kalapana would be very worthwhile.
For zone 2 rentals and homes farther than 5 miles from a fire station we have rates that are much better than HPIA. There is rarely a reason to stay with HPIA if you are in zone 2. Unfortunatlry Zone 1 is still stuck with HPIA with higher value homes going to LLoyds of London. Give me a call or send me an email for quotes.
Mahalo,
Dan De Soto
Mutual Underwriters
Insurance Agent
www.insurancehi.com
dan@mutualunderwriters.com
Tel: 808-961-3207
Fax: 808-969-1120
275 Ponahawai St., Ste#105