Category: Home Insurance

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.

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!