First Insurance Company of Hawaii
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified official public guidance is limited and consumer-facing rather than a formal broker appetite guide. For Home, FICOH actively markets homeowners and condo coverage in Hawaii and routes quoting through either its web quote form or independent agents. Published positioning suggests a preference for standard Hawaii personal residences needing core dwelling, personal property, liability, and loss-of-use coverage, with optional umbrella and certain complimentary benefits under its homeowners offering. Geographic/risk-rating notes specifically call out Hawaii coastal, flood, and lava-zone exposure, plus high local replacement costs and catastrophe severity as major rating factors. Publicly stated coverage limitations indicate flood requires a separate flood policy (typically NFIP), hurricane wind may be excluded or handled through a separate hurricane policy or deductible, earthquake requires separate endorsement/policy, and direct lava-flow/volcanic activity is often excluded unless insured through the Hawaii Property Insurance Association; wear and tear and poor maintenance are also identified as excluded. Operationally, this means standard, well-maintained owner-occupied homes are the clearest fit, while catastrophe-exposed properties, volcanic/lava exposures, and risks needing flood/hurricane/earthquake solutions may require companion placement or external markets. No official public declination list, protection-class rules, age-of-home thresholds, occupancy restrictions, or detailed construction guidelines were found on the verified public site. Submission guidance available publicly: obtain quotes through an independent agent or the online homeowners quote form; the form requests insured contact details including name, phone, email, ZIP code, and contact preference. Policy servicing changes are directed primarily through the independent agent, and the public site links to an Agency Portal, but no publicly accessible producer underwriting manual or broker submission checklist was verified.