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 current public guidance is consumer-facing rather than a producer appetite guide. For Homeowners, FICOH markets Hawaii-tailored coverage for owner-occupied homes with core property and liability protection, plus optional umbrella and complimentary equipment breakdown coverage for select appliances and systems. Preferred business appears to be standard Hawaii residential homeowners needing primary property/liability coverage and buyers seeking local-service, Hawaii-focused placement. Geographic/risk notes are material: premiums and insurability are influenced by coastal, flood, and lava-zone exposure, and the carrier states that several catastrophe perils usually require separate coverage. Publicly stated restrictions/exclusions include flood (separate NFIP policy), hurricane wind damage often handled via separate hurricane policy or deductible once winds reach hurricane strength, earthquake via separate endorsement/policy, and certain volcanic/earth-movement damage; direct lava flow damage is often excluded unless insured through HPIA. Wear and tear and poor maintenance are also identified as common exclusions. Submission/quote requirements on the verified homeowners page are basic lead-capture fields rather than underwriting data: first/last name, email, phone, ZIP code, product interest, contact preference, and lead source. FICOH also states prospects can contact an independent agent, use the website quote/request form, or find an agent through its agency network. Notable broker/producer note: an agency portal exists, but no public producer underwriting/appetite/broker submission guide was verified on the official site for this product, so operational underwriting should be treated as limited to the public product/exposure guidance above.