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Innovative Insurance Resources

615 Piikoi St, Suite 1717
Honolulu, HI 96814

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Insurance Coverage for A New Residential HVAC System

Installing a new residential HVAC system may warrant additional insurance coverage. Begin by assessing the components of the new HVAC system you plan to install. Then, include these parts in your home insurance policy.

HVAC Components

Some of the primary HVAC components include the duct pieces, condenser unit, thermostat, heat exchange system, and evaporator coil. Many HVAC parts encompass mechanical equipment that could sustain damage over time.

Assessing your HVAC system can help you identify parts that are most prone to damage. These components should be protected under your home insurance policy.

For example, if the condenser unit is installed outdoors, it may be at risk of damage from falling tree limbs or adverse weather events. Based on the outcome of your assessment, decide which HVAC components need to be incorporated into your existing homeowner’s insurance policy.

System Upkeep

Regular maintenance of your HVAC system is imperative. Scheduled servicing could prevent premature damage to the unit, which could, in turn, reduce instances requiring you to file an insurance claim.

HVAC System Upgrades

If you choose to upgrade your HVAC system in the future, a subsequent assessment would be necessary. Different types of HVAC equipment may require various levels of insurance coverage.

Your Checklist

Incorporate your HVAC unit into a checklist that includes other household items insured. Employ this checklist during inspections of items covered by your existing home insurance policy.

Contact Innovative Insurance Resources for Insurance in Hawaii

If you need to insure your new HVAC system or have any questions about insurance, contact one of our agents at Innovative Insurance Resources. An agent serving Honolulu, HI, will gladly assist you with your home insurance questions or concerns.

Does My Home Insurance Cover Natural Disasters?

Hawaii is no stranger to natural disasters. If you’re a resident of Honolulu, HI, you’re probably well aware of this and likely have personal safety protocols in place for such events. While personal safety is paramount, concern for your property is also natural. One of the first steps in safeguarding your home can be purchasing a home insurance policy. This ensures you won’t face a hefty financial burden if something happens to your home. However, an important question to consider is whether your home insurance covers natural disasters. Let us at Innovative Insurance Resources provide additional information to help you navigate the home insurance purchase process with greater confidence.

What Does a Traditional Home Insurance Policy in Hawaii Cover?

Typical home insurance policies provide protection against certain natural disasters such as lightning strikes and fires. In some situations, these policies might even cover fires resulting from lava. However, the coverage doesn’t usually extend to many of the natural disasters common in Hawaii, such as hurricanes, earthquakes, and floods. So, what’s the solution for a Hawaiian homeowner? No need for angst. Alongside your home insurance, you can also buy hurricane and flood insurance and other additional coverage to safeguard your home further. Although the lack of basic policy coverage for such disasters may be inconvenient, it’s easily resolved with additional coverage.

Get the Degree of Coverage You Need With Innovative Insurance Resources

When living in Honolulu, HI, your home safety and financial security should be at the forefront of your concerns. At Innovative Insurance Resources, we make it effortless for you to find the policies and level of coverage you require to feel secure when faced with disasters. Contact us today to find the most suitable policy for your needs!

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.

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
  • DTRIC
  • First Insurance Company of Hawaii
  • HDS
  • HEMIC
  • Island Insurance Co.
  • Kaiser
  • Pacific Guardian Life
  • UHA