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
Hawaiian Hurricane Group (HHG) publishes Hawaii-focused residential property guidance centered on homeowners and hurricane-only coverage for homes in the Hawaiian Islands. For Homeowners, HHG emphasizes maximum flexibility in coverage limits and deductible options rather than fixed package structures, and uses its FURA (Feature Underwriting Rating Approach) methodology, which evaluates construction features such as foundation, roof type, and improvements/alterations rather than relying primarily on age of home. This positioning indicates preference for owner-occupied residential homes where construction details, upgrades, and wind-mitigation features can be documented, including older remodeled homes and homes with replaced roofs/windows or hurricane clips. HHG also specifically states its products are designed for Hawaii’s housing stock, including single-wall and older homes, and highlights Ordinance or Law mitigation when Replacement Cost coverage is carried. Geographic focus is Hawaii only, with agent-finder pages listing Oahu, Maui, Hawaii, Molokai, and Kauai, and the company repeatedly describes its products as custom built for the Hawaiian market and all Hawaiian Islands. No formal public declination list, hazard blacklist, occupancy restrictions, or submission checklist was found on the official site. However, public-facing guidance strongly suggests underwriting attention to structural features, remodeling status, and wind-mitigation characteristics; practical submission support should therefore include detailed property data on foundation, roof type/age, updates, and mitigation features. Producer/broker instructions are limited on the public site: HHG directs prospects to contact an agent or HHG directly for quotes, provides a find-an-agent tool, and offers customer login/payment and claim reporting portals. Operationally, place HHG as a Hawaii-specialty residential market for homeowners and hurricane-only risks, especially where feature-based underwriting may benefit older but improved homes; verify eligibility, occupancy, deductible options, and any non-public broker requirements directly with HHG because publicly posted appetite restrictions are limited.