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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.

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