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
No formal producer/agent underwriting manual or appetite guide for Hawaiian Hurricane Group (HHG) is published on their public website as of March 24, 2026. Available content is marketing‑level only and does not provide class‑by‑class eligibility, detailed restricted risks, or submission workflow. The following are the operational takeaways that can reasonably be relied on from current public material: 1) Product & target market - HHG is focused on property owners in the Hawaiian Islands only; all products are custom‑built for Hawaii’s structural, geographical, topographical, and meteorological environment. Policies are not intended for risks outside Hawaii. ([hawaiianhurricanegroup.com](https://www.hawaiianhurricanegroup.com/?utm_source=openai)) - Two key offerings are described: (a) a stand‑alone hurricane insurance product and (b) a homeowners policy introduced in 2022 as a companion to the hurricane coverage, written in partnership with Hyundai Marine & Fire Insurance Company Ltd. (US Branch), rated A by AM Best. ([hawaiianhurricanegroup.com](https://www.hawaiianhurricanegroup.com/product-information?utm_source=openai)) - Marketing language emphasizes enhanced coverage and “superior pricing” versus mainland‑style programs, with rating tailored to Hawaii construction and storm risk. 2) Underwriting approach / preferred business indicators - The hurricane product uses a feature‑based rating method called FURA (Feature Underwriting Rating Approach) that prices on structure attributes such as foundation, roof type, and improvements/alterations rather than dwelling age. This implies a strong underwriting focus on construction features and mitigation rather than simple age/territory tables. ([hawaiianhurricanegroup.com](https://www.hawaiianhurricanegroup.com/product-information?utm_source=openai)) - HHG encourages mitigation (e.g., hurricane clips, upgrades to roof connections) and notes that such features can reduce insurance cost, implying preferred status for well‑maintained, wind‑mitigated dwellings that meet current or stronger building codes. ([hawaiianhurricanegroup.com](https://www.hawaiianhurricanegroup.com/how-to-be-prepared?utm_source=openai)) - Marketing examples highlight owner‑occupied single‑family homes and similar residential exposures as the core target; there is no indication that commercial, industrial, or non‑residential occupancies are intended. 3) Geographic notes - All published content is explicitly Hawaii‑specific. The brand statement: “Hurricane Insurance made for the Hawaiian Islands” and repeated references to Hawaii‑only rating and conditions indicate that risks must be located in the state of Hawaii. ([hawaiianhurricanegroup.com](https://www.hawaiianhurricanegroup.com/?utm_source=openai)) - No island‑by‑island inclusion/exclusion is shown publicly, nor any distance‑to‑shore or lava/flood‑zone rules; assume those are controlled within internal underwriting tools and rating rather than via public rules. 4) Restricted or declined classes (publicly inferable only) - No explicit declined classes, construction types, or protection classes are listed on public pages. - Given the personal‑lines positioning and requirement to partner with another carrier for companion coverages, it is reasonable to infer that non‑residential properties, purely commercial condo associations, and locations outside Hawaii would fall outside appetite even if a quote technically could be obtained. - There is no public indication that HHG writes NFIP‑type flood or non‑wind catastrophe lines; these should be assumed out of scope. 5) Submission & policy structure notes - HHG emphasizes that its homeowners policy is a companion to its hurricane insurance, suggesting that the hurricane product may be written in conjunction with, or in addition to, a standard HO policy (either HHG’s own or a separate carrier’s), rather than as an all‑perils monoline. ([hawaiianhurricanegroup.com](https://www.hawaiianhurricanegroup.com/product-information?utm_source=openai)) - Public pages direct prospects to “contact your agent” or call HHG directly for quotes, without publishing producer‑level submission requirements, ACORD expectations, or documentation checklists. ([hawaiianhurricanegroup.com](https://www.hawaiianhurricanegroup.com/?utm_source=openai)) - HHG promotes quick quoting via a “Hurricane Quick Quote” feature, indicating that at least for basic hurricane coverage, limited data elements (location, construction details, limits, and deductibles) may be sufficient to obtain an initial indication before full underwriting review. ([hawaiianhurricanegroup.com](https://www.hawaiianhurricanegroup.com/?utm_source=openai)) 6) Broker / producer notes (public) - No dedicated producer, broker, or agent portal is exposed on the public site, and there are no downloadable underwriting guides or producer manuals available without credentials. - Contact is via the general phone number and email (admin@hawaiianhurricanegroup.com); producers needing underwriting clarification or to confirm appetite must contact HHG directly. ([hawaiianhurricanegroup.com](https://www.hawaiianhurricanegroup.com/contact-us?utm_source=openai)) 7) Operational guidance for brokers (inferred best practices) - Treat HHG as a Hawaii‑only market for personal residential hurricane and companion HO risks. - Expect underwriting focus on: (a) detailed construction/roof information, (b) mitigation features, and (c) conformity with local building codes. - For anything outside straightforward residential owner‑occupied or small‑residential exposures, obtain pre‑clearance from HHG underwriting due to absence of public class guidelines. - Because there is no public rule set for minimum coverage amounts, deductible ranges, or age‑of‑home cutoffs, assume these are controlled by rating/underwriting and must be confirmed with HHG at quote or pre‑submission stage. Given the lack of carrier‑published underwriting manuals on the open web, any detailed class‑by‑class appetite, binding authority rules, or inspection/reinspection standards must be obtained directly from HHG or its managing underwriter.