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615 Piikoi St, Suite 1717
Honolulu, HI 96814

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The Difference Between Dwelling Coverage and Personal Property Coverage

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

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.

Partner Carriers


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