Business Details
26 Years
experience
Emergency
services
Trusted Hurricane Insurance Solutions in Hawaii
Zephyr Insurance Company was founded to provide hurricane insurance solutions for Hawaii homeowners, combining local expertise with national financial strength. As a subsidiary of Heritage Insurance Holdings, Inc. (NYSE: HRTG), we leverage decades of industry experience and a deep commitment to Hawaii's communities. Our team of insurance professionals specializes in hurricane risk management, offering tailored coverage options designed to protect residents against catastrophic losses. We maintain strong relationships with leading homeowners insurance providers across Hawaii while upholding rigorous financial standards recognized by independent analysts like Demotech, Inc.Through our sister companies, we extend our expertise to 11 Eastern seaboard states while maintaining our core focus on Hawaii's unique insurance needs. Our commitment to operational excellence is demonstrated through our Exceptional Financial Stability Rating and continuous improvement in service delivery. We combine personalized local service with the resources of a publicly traded company to ensure long-term availability and price stability for our policyholders.
Services
Hurricane Insurance
Homeowners Insurance
Flood Insurance
Loss of Use Coverage
Personal Property Protection
Details
- Year established: 2000
Highlights and features
- Locally based team with deep understanding of Hawaii's hurricane risks
- Financial stability backed by Heritage Insurance Holdings (NYSE: HRTG)
- Exceptional Financial Stability Rating from Demotech, Inc.
- Personalized service through 80+ local insurance agents statewide
- Specialized hurricane coverage with optional policy enhancements
Associations and certifications
- Demotech, Inc.
Services
Hurricane Insurance
Specialized hurricane insurance covering windstorm damage during declared hurricane events. Policies include dwelling protection, personal property coverage, and loss-of-use benefits with optional endorsements. Coverage activates when hurricane watches/warnings are issued by the National Weather Service, providing replacement cost coverage subject to coinsurance requirements.
Homeowners Insurance
Comprehensive homeowners insurance offering protection against fire, lightning, and theft. Includes personal liability coverage, loss of use benefits, and personal property protection with optional enhancements like jewelry coverage and identity theft protection. Available as HO3 policies for single-family homes and HO6 policies for condominiums.
Flood Insurance
Supplemental flood insurance coverage for water damage from heavy rains, storm surges, and drainage failures. While not currently offered directly, we provide guidance on obtaining this critical coverage through appropriate channels to complement hurricane insurance policies.
Loss of Use Coverage
Provides financial protection for additional living expenses when policyholders must vacate damaged properties. Covers fair market rent during repairs with extended benefits for debris removal and reasonable emergency repairs to prevent further damage during hurricane events.
Personal Property Protection
Covers personal belongings damaged during hurricanes with optional replacement cost coverage. Includes protection for major appliances and valuables, with available endorsements for enhanced coverage limits and specialized items requiring additional protection.
Questions
What does Zephyr Insurance Company specialize in?
We specialize in hurricane insurance for Hawaii homeowners, offering coverage through a network of local agents with financial backing from Heritage Insurance Holdings.
When is Hawaii's hurricane season?
Hawaii's hurricane season officially runs from June 1 through November 30 each year, though hurricanes are relatively rare in the region.
Do I need hurricane insurance if I have a mortgage?
Yes, most mortgage lenders require hurricane insurance as part of your homeowners coverage to protect their investment in your property.
How do I file a claim with Zephyr Insurance Company?
Contact your local insurance agent first, or call us directly at 808-440-5400 if your agent is unavailable for assistance with claims filing.
What areas does Zephyr Insurance Company serve?
We serve all Hawaiian islands through our network of 80+ local insurance agents while maintaining our headquarters in Honolulu.
What payment methods does Zephyr accept?
Payment options are managed through our network agents - please contact your local insurance provider for specific payment arrangements and methods.
