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Coverage Options in Hawaii

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Our Promise to Restore Your Paradise

Island living doesn’t mean your tropical bungalow, vacation pad, or forever home is at risk. Spend time surfing waves instead of surfing the web for property insurance in Hawaii. UPC offers a variety of options and coverages specifically designed for Hawaii property owners, so your search can stop here.

Between our fair pricing, superior claims service and flexible products to meet the unique needs of policy holders in Hawaii, you can rest easy knowing UPC will be here when you need us most.

Coverage for Hawaii:

Living in Hawaii presents the need for customized coverages. At UPC, we offer a suite of products designed for the unique needs of policyholders in the Aloha State.

Current Products:

  • Combined Homeowners Insurance (HO3 and Hurricane)
  • Stand Alone Hurricane Insurance
  • NFIP Flood Insurance

Future Products:

  • Condominium Insurance (HO6)
  • Renters Insurance (HO4)
  • Comprehensive Form Homeowners Insurance (HO5)
  • Dwelling Fire (DP3) Insurance
  • Stand Alone Homeowners Insurance (HO3 only)

two story house with palm trees and hawaii volcano in the background

More coverage. More savings.

Enhance your coverage today so that you can rest easier tomorrow. When you purchase one of our packages, you get more types of coverage and pay less overall than if you bought
coverages individually.

Safeguard Package:
Includes all coverages offered in the standard policy and offers additional coverage for credit cards, and a variety of new benefits, including coverage for:

  • Personal Property Replacement Cost
  • Personal Injury
  • Lock Replacement
  • Identity Fraud Expense
  • Refrigerated Contents
  • Water Backup
  • Personal Property at Another Insured Location

Safeguard Plus:
Includes all coverages offered in the SafeGuard package and is expanded with new categories and broader coverage for:

  • Equipment Breakdown
  • Increase in Coverage D
  • Additional Coverage A
  • Fading Deductible

To see all available coverage enhancements and additional package details, view our flyer here.




Own a home in the state of Hawaii? Getting coverage has never been easier than with UPC Insurance.

You can report a claim 24 hours a day, 7 days a week. With nearly $2.5 billion in claims paid, UPC is here to help Keep the Promise®.