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 verified public underwriting or broker appetite guide was found on the official site for Home. Current official public-facing guidance indicates Island writes personal homeowners coverage for Hawaiʻi homes and families through independent agents, with statewide agency access across Oahu, Maui, Kauai, and Hawaiʻi Island. Public materials position the carrier for standard personal residential risks rather than surplus, specialty, or direct-to-consumer placement. Homeowners coverage is described as protecting the dwelling, belongings, other structures, and personal liability. Island’s public education materials also highlight insurability expectations tied to property condition: visible deferred maintenance can affect eligibility for homeowners coverage, and examples called out include overhanging or dead branches, clogged gutters, poor drainage, vegetation too close to exterior walls, moisture/wood-rot concerns, and other preventable upkeep issues. Hazard-specific notes are important in Hawaiʻi: standard homeowners policies do not cover flood, hurricane, or earthquake, and those perils require separate policies or endorsements where available; flood may also involve a waiting period and lender requirements in higher-risk zones. Submission/placement appears to be agent-driven only: the carrier repeatedly directs prospects and insureds to contact an independent insurance agent, use the Find an Agent directory, and work through local agency partners for new business or policy revisions. No public home submission checklist, target construction/age thresholds, occupancy restrictions, protection-class rules, or explicit declined classes were verified on the official website. Broker/producer note: because no public appetite bulletin was found, agents should treat this as limited consumer-facing guidance only and obtain current eligibility, catastrophe, inspection, and documentation requirements directly from Island or appointed agency contacts before quoting or submitting.