Hawaiian Hurricane Group
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
Official site content supports a Hawaii-focused personal lines homeowners product, with companion hurricane coverage also offered. Published positioning emphasizes homes in Hawaii, including older and single-wall housing stock, with underwriting based on HHG’s Feature Underwriting Rating Approach (FURA), which focuses on property features such as foundation, roof type, and improvements/alterations rather than home age. The product highlights flexible coverage limits and deductible options, and specifically markets enhanced Ordinance or Law treatment for Hawaii homes when Replacement Cost coverage is carried. Geographic scope appears limited to the Hawaiian Islands / Hawaii locations. Submission guidance available publicly is consumer/agent-facing rather than a full producer appetite guide: quotes must be obtained through an independent agent appointed with HHG/HMF; quote starts require the property address, documentation for roof replacement or major roof updates if applicable, and digital inspection/current property photos with all submissions. Public pages do not provide a formal class-by-class decline list, occupancy restrictions, construction prohibitions, or wildfire/flood/coastal exclusion schedule; however, the carrier’s materials clearly center on Hawaii residential property and do not present broader commercial or out-of-state appetite. Flood is not presented as an in-house core line; HHG states it is working with Neptune Flood and refers customers through their agent. Broker/producer note: business appears to flow through appointed independent agents, and insureds are directed to find an agent through HHG if not already represented. No verified standalone producer appetite, underwriting manual, or broker submission portal page was located on the official site beyond the homeowners/product/FAQ/agent pages.