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What Are the Five Items That Home Insurance Generally Covers?

Posted on January 30, 2026January 12, 2026 by admin

When you get a home insurance policy, you usually get coverage for five items. These items are standard on just about every home insurance policy, and you benefit from understanding your coverage. At Innovative Insurance resources, serving Honolulu, HI, we’re here to help you learn more about what you can expect from your policy when you need to make a claim.

The Five Items Most Likely Covered by Your Home Insurance Policy

Just about all home insurance policies include these main items, so you can make a claim for them after a covered event. The five items usually include the following components:

Dwelling
Additional living expenses
Personal property
Liability coverage
Additional structures

Your policy covers these items with subcategories in each one. In other words, the structure of your home is covered in case of a calamity, and you can expect replacement of certain items that were in your home. If you have a theft of personal property, the policy reimburses you for loss of items like electronics and jewelry.

Getting Extra Coverage for These and Other Items

Every insurance company is different in terms of what it offers for standard coverage. When you’re looking at a policy with your agent, be sure to identify the type of coverage you want. Your agent can find you a policy with standard coverage and get you additional coverage for non-standard items.

Contact Us Today at Our Office Serving Honolulu, HI for More Information

At Innovative Insurance Resources, we’re here to answer your questions and help you find the right homeowners insurance policy. It’s our job to make sure you have adequate insurance coverage that protects you against Hawaii’s unique environment. Get in touch with us today and start learning about how home insurance helps you recover from a disaster.

Can You Secure Home Insurance Coverage for a Short Duration?

Posted on December 31, 2025December 11, 2025 by admin

Moving to, from, and across the Hawaiian islands is a stressful endeavor. Even as you pack, your home insurance remains connected to your old house. If you have leftover home insurance coverage on your policy that you won’t use, what are your options? If your coverage expires and you need more time, does home insurance offer a shorter duration? The professionals at Innovative Insurance Resources, serving the Honolulu, HI area, will answer both questions.

Can You Secure Home Insurance for Less Than One Year?

No. Home insurance coverage starts at one-year durations. No policy customizes home insurance to last less than a year.

What Are Your Options?

The only option is to buy home insurance and cancel it before the policy expires. Homeowners can generally cancel their policy as long as they give 30 days’ notice. However, you might face a penalty or fee for early policy termination. The amount varies by carrier. Other policies subtract the cancellation fee or penalty from the refund. Regardless, the cancellation isn’t valid until you mail the notice to the proper party at the insurer end. We encourage you to secure a new policy for your new home before canceling your old policy to avoid coverage gaps.

Will Short-Term Home Insurance Suffice?

No. Short-term home insurance is another name for unoccupied home insurance or vacant home insurance. That covers damages to empty homes. Reasons for an empty home include selling, remodeling, and being on vacation. It does not cover occupied homes. Furthermore, the insurance policy is temporary, ending when the home reaches occupancy. It is available for primary and secondary homes that will be vacant for 30 days or more.

If you need home insurance for a short duration, there is a way. Our team will work with you to find carriers with reasonable and straightforward cancellation fees or penalties. We want you to use what you need and discontinue the policy with ease. We also encourage you to open a new home insurance policy with us here at Innovative Insurance Resources, serving the Honolulu, HI area. Contact our office today for more information.

Who can be listed on your auto insurance policy?

Posted on November 26, 2025November 10, 2025 by admin

Auto insurance is something that the whole family benefits from. Unless a family member is such a risk that they add significantly to the price of the family policy, usually everyone in a household is covered on one policy. At Innovative Insurance Resources, serving Honolulu, HI, we are a full-service independent insurance agency. Our agents have more than 30 years of experience helping our customers find the best auto insurance for their needs.

Many families have more than one vehicle. They may not be owned by the same family member. This is not unusual. It is also not unusual to have people driving vehicles other than the one in their name. When you are setting up your auto insurance policy, the main driver should be listed first. It is important to let your agent know which driver drives what percent of each car. Some vehicles are considered a higher risk.

The vehicle owner should be listed on the insurance policy, followed by their spouse or partner. In most cases, you will list all the people of driving age who are related to you in your household. If you have a child who is away at college and will still be driving a family vehicle, they most likely will be able to remain on the policy. These days it gets a little more complicated.

There may be people who live in your household who are not related to you. It might be that you live with a boyfriend or a girlfriend. You may have an au pair, a nanny, or a caregiver who lives with you and need to drive your car. If they use it regularly, they should be listed.

Contact our office at Innovative Insurance Resources, serving Honolulu, HI, for all your auto insurance requirements. Give us a call or reach out through our website.

Commercial Insurance and Fleets: Understanding Your Choices When Covering Your Vehicles

Posted on October 31, 2025October 21, 2025 by admin

Some businesses rely on vehicles to provide services and get employees from customer to customer. As such, you’re going to need commercial auto insurance. But what should you be looking for when it comes to commercial auto insurance, and what do you need to evaluate for a policy that covers your needs? Let’s take a look at your options. Once you’re ready to begin shopping, visit us at Innovative Insurance Resources, serving Honolulu, HI, to get the support you need. We’ll help you find a commercial insurance policy quickly and easily.

What to Consider When Shopping for Commercial Insurance for Your Vehicles

Shopping for commercial auto insurance is like shopping for regular auto insurance, with a few exceptions. When shopping for commercial auto insurance, be sure to consider available add-ons to customize your coverage. For example, if your vehicle has custom paint or a wrap, consider adding custom equipment coverage to protect it. If you use vehicles that you don’t own, such as rentals or employees who drive their own cars for business purposes, consider adding hired and non-owned auto coverage. For business owners, additional safety features can prove essential to improving transportation logistics and security, which could impact your auto policy premiums. Another key consideration is how many vehicles you’re covering. If you only need one or two vehicles, a single policy should cover them. If you have an entire fleet of vehicles, you’ll need specialized commercial auto insurance or fleet insurance. Keep all of the above in mind when you begin shopping for commercial auto insurance for your business.

Discover the Right Insurance Policy With Innovative Insurance Resources

Innovative Insurance Resources serving Honolulu, HI, is here to help you with all of your commercial insurance needs. We’ll eliminate the difficulty that comes with finding commercial insurance options so that you can get the coverage you deserve with ease. Get in touch with us now to get started!

The Difference Between Dwelling Coverage and Personal Property Coverage

Posted on September 30, 2025September 24, 2025 by admin

Home insurance can feel like a maze of terms, but two of the most important components are dwelling coverage and personal property coverage. While they work together in a single policy, they protect very different aspects of your home. Understanding the difference helps homeowners in Hawaii ensure nothing gets overlooked in their home insurance policy through Innovative Insurance Resources, serving Honolulu, HI.

Dwelling Coverage Explained

Dwelling coverage focuses on the structure of your home. This includes the walls, roof, floors, built-in appliances, and any other items permanently attached to the property. If a fire damages your kitchen or a storm tears off shingles, this portion of your policy pays for repairs or rebuilding. In Hawaii, where wind and storm risks are prevalent, having adequate dwelling coverage is crucial to avoid being underinsured.

Personal Property Coverage Explained

Personal property coverage protects the items you bring inside your home, such as furniture, electronics, clothing, and household goods. If a covered loss, such as theft, fire, or certain types of water damage, occurs, this part of your policy steps in to cover the cost of replacing these belongings. Some policies even extend this protection to items outside the home, such as a stolen laptop from your car or luggage lost while traveling.

Why the Difference Matters

It is easy to assume that home insurance treats everything the same, but the limits and protections are distinct. A strong policy should include enough dwelling coverage to rebuild the home and sufficient personal property coverage to replace belongings. Reviewing both ensures homeowners do not discover gaps in coverage after a loss occurs.

Understanding this difference is crucial for creating a comprehensive home insurance plan through Innovative Insurance Resources, serving Honolulu, HI. Dwelling coverage protects the house itself, while personal property coverage safeguards the items that make it a home. Together, they provide homeowners with the reassurance that both the structure and belongings are secure.

Increasing Your Auto Insurance Deductible Doesn’t Always Make Good Financial Sense

Posted on August 29, 2025August 23, 2025 by admin

Auto insurance premiums have risen significantly in recent years due to changing driving habits and increased repair costs. Choosing the right insurance policy depends on several factors, such as your budget, the number of hours you spend on the road, and other considerations. Innovative Insurance Resources in Honolulu, HI, can help you find the auto insurance policy that best suits your driving needs.

Increasing Your Deductible Can Save You Money

Keeping auto insurance costs within a budget is a concern for many families. One way to lower your premium is by increasing your deductible amount. By doing so, you take on more of the financial responsibility for minor repairs, such as fender benders or other small incidents. For significant damage, your insurance coverage will kick in after you’ve paid the deductible amount.

Keeping a Lower Deductible May Be a Better Option for Some Situations

If you’re currently facing personal expenses that make paying a higher deductible difficult, opting for a lower deductible may be a better choice. A lower deductible ensures that your insurance will cover repairs without requiring a large upfront payment. Additionally, if you drive long distances for work or other activities, or if you live in an area with climate conditions that increase the risk of vehicle damage, a lower deductible may provide better financial protection.

Choose Innovative Insurance Resources for Your Auto Insurance Needs

Reviewing your driving habits and conditions can help identify risks that may impact your finances and insurance needs. Our agents can assist you in determining the right level of coverage for your situation. Contact Innovative Insurance Resources in Honolulu, HI, for a no-obligation quote on auto insurance tailored to your unique needs.

Why Your Business May Need Cyber Insurance

Posted on July 31, 2025July 25, 2025 by admin

In today’s digital age, businesses rely heavily on computer networks to operate efficiently. While these systems are essential, they also expose companies to vulnerabilities, including targeted cyberattacks. If your business uses a computer network, it’s time to consider cyber insurance to protect against the potentially high costs associated with these attacks. For cyber insurance solutions, contact Innovative Insurance Resources, servicing Honolulu, HI.

Data Breaches

Data breaches have become increasingly common, with businesses being prime targets. Company networks often store sensitive information, including customer payment details and personal data from both customers and employees. This data is highly valuable to cybercriminals, who may steal and sell it for profit.

Cyber insurance provides protection against these attacks, helping your business mitigate the risks associated with data breaches. With cyber insurance, you can safeguard your company against this growing threat.

The Costs of Targeted Attacks

When a business is targeted for a cyberattack, the financial consequences can be significant. Costs may include:

Fixing the compromised network and restoring functionality.
Compensating individuals whose data was stolen.

These expenses can be overwhelming and may even cripple a business without proper insurance coverage. Cyber insurance helps cover many of the costs associated with data breaches, ensuring your business can recover and continue operations.

Get Cyber Insurance Today

If your business doesn’t have cyber insurance, it’s vulnerable to the financial fallout of a data breach. Cyber insurance is crucial for safeguarding your company’s future. To learn more about this coverage, please contact Innovative Insurance Resources, which serves Honolulu, HI. Let us help you secure the protection your business needs.

Is Bundling Your Home Insurance the Right Choice?

Posted on June 30, 2025June 23, 2025 by admin

When it comes to insuring your property, finding the best deal is often a top priority. However, the best deal isn’t always the right deal. For instance, bundling insurance policies together can offer advantages, but it also has potential drawbacks. Should you bundle your home insurance with your auto insurance or other policies? Let’s explore the pros and cons to help you decide if bundling is the right choice for you. Once you’ve made your decision, you can rely on the team at Innovative Insurance Resources in Honolulu, HI to find the perfect insurance policy for your needs.

Should I Bundle My Home Insurance?

Bundling your home insurance with other policies can offer several benefits. Many homeowners choose to bundle because it provides:

Reduced Premiums: Bundling often leads to discounts, helping you save money on your overall insurance costs.
One Deductible: Instead of paying separate deductibles for each policy, bundling allows you to pay just one, simplifying your financial obligations.
Easier Management: Bundling consolidates your insurance accounts, making it more convenient to manage your policies in one place.

However, bundling isn’t always the best option. Some potential downsides include:

Higher Costs: In some cases, purchasing policies separately may be more affordable than bundling.
Limited Coverage: Bundled policies may not offer the comprehensive coverage you need, leaving gaps in your protection.

Bundling can be a great choice if you’re flexible with your needs and find bundled options to be budget-friendly. However, it’s worth comparing individual policies to ensure you’re getting the best coverage and value. Ultimately, the decision comes down to your personal preferences and financial goals.

Get Covered with Innovative Insurance Resources

Are you looking for a home insurance policy that provides the right level of coverage at the right price? We’re here to help! At Innovative Insurance Resources in Honolulu, HI, we make it easier to find the perfect home insurance policy with our expert support. Get in touch with us today to start shopping!

Can I Get My Learner’s Permit Online in Hawaii?

Posted on May 30, 2025May 28, 2025 by admin

Reaching the legal age to operate a motor vehicle in Honolulu, HI, is a significant milestone in a young person’s life. It signifies their transition towards adulthood. As this important event approaches, our agents at Innovative Insurance Resources are ready to discuss insurance options to ensure everything is in place for legal driving in Hawaii.

When Can I Obtain My Learner’s Permit?

In Hawaii, a person can apply for a learner’s permit once they reach the age of 15 years and 6 months. The application process involves a written test consisting of 25 questions, with a time limit of one hour.

How Do I Take the Test Online?

All counties in Hawaii offer online testing for the learner’s permit. You can take the test at home, provided you follow the instructions. These include having access to a computer, mouse, and webcam. The test can only be taken on a laptop or desktop computer.

You will need to access the online driver’s exam, pay the fee using a credit card, and provide your identification. As you are under 18 years old, an adult over 18 with a current driver’s license must provide their identification and stay with you throughout the test. They must stay out of the webcam’s view, and you must remain on the test screen without interacting with the other person.

Once you pass the test, the next step is to schedule a driving test at a county center. You’ll have 30 days from the date you pass the test to complete the remaining requirements.

Contact Innovative Insurance Resources

Our team at Innovative Insurance Resources is committed to ensuring your first driving experience on the streets of Honolulu, HI, is a safe one. Call us so we can include you in your family’s insurance coverage, ensuring you’re ready to hit the road.

Does Commercial Insurance Protect Against Floods and Disasters?

Posted on April 30, 2025April 23, 2025 by admin

Operating a business in Honolulu, HI, necessitates comprehensive commercial insurance to safeguard against potential liabilities, damages, or injuries that might occur on your premises. As you set up your business in Hawaii, securing the appropriate insurance policy is vital for optimal protection. Regrettably, conventional commercial insurance does not cover floods and natural disasters. However, collaborating with an agency like Innovative Insurance Resources can help you find suitable policies that offer extended coverage when you need it the most.

Conventional Commercial Insurance

In Hawaii, conventional commercial insurance does not cover natural disasters, including significant floods. Traditional commercial insurance offers protection against fire, theft, and even vandalism in most cases. Currently, standard commercial insurance does not protect business owners from floods, hurricanes, or earthquakes that may occur in Hawaii.

National Flood Insurance Program (NFIP)

If you’re considering flood insurance in Hawaii, the National Flood Insurance Program (NFIP) might be a good option. The National Flood Insurance Program covers flood damage and unexpected flooding disasters that could damage or infiltrate your business premises. Consulting with your preferred agency can help determine whether a federal program like NFIP is the right choice for you.

Private Flood Insurance

Securing private flood insurance is a viable option for business owners in Honolulu. Private insurance policies may offer more flexibility and customization. If you’re looking for an alternative to NFIP insurance policies, consider a private flood insurance add-on.

Whenever you’re starting a business, securing the right insurance policy is crucial for protection and peace of mind. If you’re based in Honolulu, HI, we’re here to assist. For more information, contact Innovative Insurance Resources so we can help design a commercial, flood, and disaster insurance policy that suits your needs.