Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner in Honolulu, HI
Hawaiian Insurance & Guaranty has served Hawaii residents since 1915, providing reliable insurance solutions tailored to island lifestyles. Our experienced team, many of whom were born and raised in Hawaii, understands the unique needs of local communities. We maintain an A rating from Demotech, Inc. and a B rating from A.M. Best Company, reflecting our commitment to financial stability. As part of the Ocean Harbor Insurance Group, we specialize in property and automobile insurance for weather-exposed regions, with over $300 million in combined premiums written annually. Our dedication extends beyond insurance through active community support, partnering with organizations like U.S.Vets Waipahu and the Boys and Girls Club of Maui. Located in Pioneer Plaza, Downtown Honolulu, we operate with a pledge to remain a trusted insurance resource for future generations. Our office hours are Monday-Thursday 7:00 AM-4:00 PM and Friday 7:15 AM-3:00 PM for personalized service.
Services
Home Insurance
Business Insurance
Hurricane Coverage
Auto Insurance
Condo Insurance
Renters Insurance
Liability Insurance
Additional Coverages
Optional Coverages
Property Insurance
Details
- Year established: 1915
Highlights and features
- We have over 100 years of experience serving Hawaii's unique insurance needs
- Our local team understands island-specific risks and lifestyle requirements
- We maintain A-rated financial strength from Demotech, Inc.
- We actively support 10+ local community organizations annually
- We specialize in weather-exposed property insurance across 12+ states
Associations and certifications
- Demotech, Inc.
- A.M. Best Company
Services
Home Insurance
Protect your primary residence with comprehensive home insurance covering property damage, personal belongings, and liability protection. We offer customizable policies for homeowners across Hawaii with optional hurricane coverage. Our policies include additional living expense coverage and scheduled personal property protection for valuable items.
Business Insurance
Secure your business operations with tailored commercial insurance solutions. We provide coverage for business property up to $1,000,000, liability protection, and optional hurricane coverage. Our policies support home-based businesses, office spaces, and retail operations with specialized endorsements for equipment breakdown and employee dishonesty.
Hurricane Coverage
Enhance your property protection with specialized hurricane coverage for Hawaii's weather-exposed regions. This optional coverage includes debris removal, structural repairs, and loss assessment protection. Available as an endorsement to home, condo, and business insurance policies with customizable limits to meet specific risk management needs.
Auto Insurance
Protect your vehicles with auto insurance solutions through our Ocean Harbor Insurance Group affiliation. We offer non-standard auto coverage for high-risk drivers in Florida and standard policies across multiple states. Our commercial auto policies cover business fleets with liability and physical damage protection tailored to specific industry needs.
Additional Coverages
Expand your policy protection with customizable additional coverages. Options include credit card fraud protection, loss assessment coverage, and premises alarms. We offer scheduled personal property coverage for valuable items and improvement betterments for property upgrades. All additional coverages are subject to policy limits and specific endorsement terms.
Questions
What types of insurance do you offer?
We provide home, business, auto, and commercial insurance with specialized hurricane coverage. Our policies include customizable options for property, liability, and additional protections.
Do you offer coverage for Maui residents?
Yes, we serve all major Hawaiian islands including Maui. Our team provides on-island support for claims related to the Maui wildfires and other weather events.
How can I get a quote?
Contact our Honolulu office at (808) 536-2777 or visit our website to connect with a local agent. We offer free custom quotes for all our insurance products.
What are your business hours?
Our Honolulu office operates Monday-Thursday 7:00 AM-4:00 PM and Friday 7:15 AM-3:00 PM. Claims assistance is available during regular business hours.
Are you part of a larger insurance group?
Yes, we're part of the Ocean Harbor Insurance Group, a top 100 U.S. homeowners insurer writing over $300 million in combined premiums annually across 12+ states.
