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Innovative Insurance Resources

615 Piikoi St, Suite 1717
Honolulu, HI 96814

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Home Insurance Tricks and Hacks

Innovative Insurance Resources has helped Honolulu, HI, residents like you get high-quality home insurance by assessing their needs and pairing them with strong policies. Here are a few hacks and tricks we use when helping customers like you.

Don’t Neglect Dwelling Coverage

Dwelling coverage is essential for your home, particularly in sensitive parts of the island. It can cover much more of your home, including repairing and replacing various building elements to keep it strong and minimize potential damage risks as much as possible.

Pay Attention to Flood Dangers

If you live in Honolulu, you know that rain and floods are never far behind. Those who don’t have flood protection (only about 15% of the nation does) should seriously consider adding it to their coverage to minimize their potential risk of serious damage.

Check for Natural Disaster Coverage

Natural disasters can happen without much risk, and Hawaii is at a high risk for various issues. These include things like floods, volcanic eruptions, and other dangers. Ensure your policy covers all these items to keep your home as safe as possible.

Increase Your Liability 

Expanding your liability coverage is a smart idea because it ensures you don’t get into serious trouble if someone gets hurt on your property. It’s particularly smart if you run a business from home, as it can help you stay focused. 

Stay Safe This Year

At Innovative Insurance Resources, we’ll do whatever we can to help Honolulu, HI residents find home insurance policies that suit their needs. Call us today to learn more about your options, and we’ll do whatever we can to ensure that you are fully protected and safe from damage.

Benefits of Storing Your Vehicle When on Vacation

Advantages of Vehicle Storage During Extended Absences

If you’re planning to be away from your home for an extended time, storing your vehicles securely is essential. Below are some benefits of vehicle storage during prolonged absences:

The Benefits of Vehicle Storage for Long Periods

1. Freeing Up Garage Space

One of the notable benefits of storing your car during extended vacations is freeing up garage space at your home. If you share your living space with others, this extra space can be utilized while you are away.

2. Extra Protection from Adverse Weather

Storing your vehicle offers added protection from environmental elements. Exposure to harsh weather, such as sunlight, wind, rain, and hail, can lead to damage. Storage facilities can prevent such occurrences and help maintain your vehicle’s condition.

3. Decrease in Theft and Vandalism

A securely stored vehicle is less likely to be targeted for theft or vandalism. Storage facilities are typically equipped with robust security measures, reducing the risk of break-ins.

4. Peace of Mind

Perhaps the most significant benefit of storing your vehicle while away is the peace of mind knowing it’s secure and monitored, allowing you to enjoy your time off without worries.

If you are in Honolulu, HI, and require an auto insurance quote, contact our team at Innovative Insurance Resources today. They will ensure that your vehicle is comprehensively covered, providing you with peace of mind even when you’re away.

4 Myths About Commercial Insurance

Making assumptions about your commercial insurance can leave significant gaps in your coverage. Don’t let these common myths stop you from getting the right coverage for your business. The team at Innovative Insurance Resources is here to review your policy and provide advice on how to protect your business in Honolulu, HI.

Commercial Insurance Myths

Myth #1: My Business Is Too Small for Commercial Insurance

Think you don’t need insurance for your small business? Think again. Small businesses often face the same perils as major corporations. That may include lawsuits, property damage, theft, and natural disasters. Our team can help you find the right insurance at the right price whether your business is big or small. 

Myth #2: I Have General Liability Insurance. That Covers Everything, Right?

Unfortunately, that’s a mistaken assumption. General liability insurance protects your business from third-party claims of bodily injury, property damage, or personal injury. However, it won’t pay for everything that could go wrong with your business. For example, it doesn’t handle damages related to your personal property, your employees, or any professional errors that may occur. For comprehensive coverage, you need commercial property insurance, professional liability insurance, and other coverage related to your specific needs. 

Myth #3: Personal Auto Insurance Covers Me At Work

Many people think their personal auto insurance will cover their vehicles under all circumstances. If you have an accident while using your car for business purposes, you need commercial auto insurance. Chances are the damages won’t be covered under your personal auto policy. 

Myth #4: Online Businesses Don’t Require Commercial Insurance

Business property insurance covers any physical assets used for your business. That may include equipment, vehicles, inventory, supplies, and tools. Ask your insurance agent how to cover your digital business for items damaged by a covered peril, such as fire, theft, vandalism, or storm. 

Consult With Us

Contact Innovative Insurance Resources today to get a free quote and find out how we can help you protect your business in Honolulu, HI.

Can Home Insurance Cover Water Damage?

Our team of qualified insurance professionals at Innovative Insurance Resources in Honolulu, HI understands how much it matters to ensure that your home is protected from all kinds of damage, including water damage. Although it can be hard to figure out whether your home insurance policy may cover certain types of harm that happen to your property, we can offer general ideas of what home insurance policies usually do or don’t cover. Since every home insurance policy is different and has terms and limits that apply specifically to that policy, you’ll want to consult with the insurance agent before assuming that something would be covered.

Likewise, you shouldn’t assume that a policy can’t cover something because of an internet article. Home insurance professionals will give guidance for your situation. They’ll also offer tips on how to make the most of your policy.

Can Home Insurance Cover Water Damage?

To determine whether your home insurance policy might be able to assist with affording the costs of repairing water damage, you’ll first have to consider whether the water damage source occurred inside the home or outside the home. If the water damage resulted from sources outside the home like a flood from a hurricane or other disqualifying natural disaster, it’s unlikely that a home insurance policy will help pay to fix the damage. 

On the other hand, if the water damage happened because of an issue with the pipes in your home like one of them bursting or becoming compromised in another way, your home insurance policy might cover the water damage based on the terms.

Reach Out To Us

Call our team at Innovative Insurance Resources to see how we can help you protect your Honolulu, HI home with our home insurance policies today!

Partner Carriers

  • Crum & Forster
  • First Insurance Company of Hawaii
  • HDS
  • Island Insurance Co.
  • Kaiser
  • Pacific Guardian Life
  • UHA