The Island Insurance Company
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 standalone public underwriting or appetite guide for Home was found on the official site. Current published guidance indicates Island Insurance writes personal homeowners coverage for Hawai'i homes and families through its network of independent agency partners. Public-facing Home positioning emphasizes standard owner-occupied home protection for dwelling, personal property, other structures, and premises liability. Geographic focus is clearly Hawai'i, and the site repeatedly directs consumers and policy changes through local independent agents rather than direct submission. Published restrictions/exclusions note that standard homeowners policies do not cover hurricane, flood, or earthquake; separate coverage is required or available through other providers/arrangements. The site also notes common exclusions such as wear and tear, neglect, and mold. Related personal lines suggest cross-sell/bundle preference with auto, condo, or renters via an Island Package Bundle discount, and personal umbrella material indicates underlying homeowners liability minimums may apply for umbrella eligibility. Submission/servicing notes: new business and revisions are routed through independent agents; existing policy servicing should go through the insured's local agent if portal changes are unavailable; agency-facing access appears to exist through an Agency Portal, but no public producer underwriting bulletins, class acceptability matrix, valuation rules, protection-class guidance, coastal distance limits, age-of-home rules, or explicit declined home classes were publicly verified. Operationally, treat this as a Hawai'i-focused standard personal home market distributed via independent agents, with catastrophe-exposed perils carved out of the base homeowners form and agent involvement required for quoting or placement.