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
Publicly available FICOH materials currently provide only high‑level marketing descriptions for personal homeowners products and do not disclose detailed, line‑by‑line underwriting or risk‑apetite criteria. The carrier clearly positions itself as a full personal lines market in Hawaii, offering homeowners, condo, renters, home bundles, stand‑alone flood, and stand‑alone hurricane, with local service and Tokio Marine Group backing. The homeowners page emphasizes coverage for property (fire, theft, natural disaster and more), personal liability, complimentary equipment breakdown, and optional umbrella, but does not enumerate specific eligibility rules, preferred classes, or prohibited risks. Preferred business (inferred from positioning, not stated as rules): standard residential owner‑occupied dwellings and condos in Hawaii (all major islands are selectable in quote and contact forms), with an emphasis on families protecting their primary residence and contents. FICOH also markets separate flood and hurricane products, suggesting a preference for bundling catastrophe solutions with the homeowners package, but no explicit appetite statement is shown. Restricted or declined classes: no formal public list is provided. There is no visible guidance on age of home/roof, prior losses, protection class, distance to coast, wildfire exposure, short‑term rentals, vacant or seasonal dwellings, or non‑standard occupancies. Any such rules appear to be kept within the secure agency portal and rating/underwriting systems. Geographic notes: FICOH is a Hawaii‑domiciled carrier and markets personal lines only within the State of Hawaii. Quote and lead‑capture forms require an island selection (Hawaii, Kauai, Maui, Oahu), indicating that homeowners appetite is island‑wide but confined to Hawaii. No intra‑state territorial restrictions or brush/coastal exclusions are disclosed on public pages. Submission/underwriting process: Public pages direct consumers to ‘Find an Agent’ or submit a brief quote/lead form (name, contact details, ZIP code, island), after which an agent or FICOH representative will complete underwriting. There is also an Agency Portal login for appointed producers, but access to manuals and binding guidelines is credential‑protected, so no operational producer instructions (e.g., required documents, inspection triggers, binding authority, or referral thresholds) are available publicly. From what is visible, new business should be routed through local appointed agents using FICOH’s systems, and underwriting/eligibility rules are applied behind the scenes rather than via a public appetite guide. Operationally, treat FICOH as a standard, broad‑market Hawaii homeowners carrier with internal, non‑public underwriting manuals. Assume normal P&C best practices (full and accurate occupancy details, construction, updates, and loss history; expect possible inspection and supplemental questions on older homes, coastal properties, or higher TIVs). For any nuanced risk characteristics (short‑term rental, mixed use, unusual construction, prior CAT losses, or island‑specific hazards), producers should consult directly with the FICOH underwriter or review the secure agency guidelines, as the public site does not specify how such risks are handled.