Homeowners Insurance

Homeowners Insurance

Safeguard Your Home and Peace of Mind

Your home is more than just a place—it’s where memories are made and your loved ones are protected. At JHC Services, we provide tailored homeowners insurance solutions that shield your property and belongings from unexpected events like storms, theft, and fire. Living in Hawaii brings unique risks, and our team is here to ensure your home is protected with coverage that fits your needs.

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Property Coverage

Protects the structure of your home from damages caused by fire, storms, hurricanes, and other covered events.

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Personal Belongings Coverage

Covers your personal items, such as furniture, electronics, and clothing, against theft, fire, or other covered perils.

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Liability Protection

Offers financial protection if someone is injured on your property or if you accidentally cause damage to someone else’s property.

Answers to Your Homeowners Insurance Questions

  • Why do I need homeowners insurance in Hawaii?

    Homeowners insurance helps protect your home, personal belongings, and liability in case of unexpected events like fire, theft, or certain types of damage. It can also cover additional living expenses if you need to temporarily relocate while your home is being repaired.


    However, standard homeowners insurance in Hawaii does not cover hurricane or flood damage—two common risks in the islands. To be fully protected, you may need to purchase separate hurricane and flood insurance policies in addition to your homeowners coverage.

  • Does homeowners insurance cover hurricane or flood damage?

    Flood damage is not covered under a standard homeowners insurance policy and requires a separate flood insurance policy.


    Hurricane coverage in Hawaii may be included in a homeowners policy or may be excluded and offered through a separate hurricane policy—this depends on your insurer and the terms of your policy. It's important to carefully review your coverage or speak with your insurance provider to confirm how hurricane risks are handled in your specific case.

  • How much homeowners insurance do I need?

    The amount of coverage depends on your home’s value, replacement costs, and the value of your personal belongings. Our team can help you determine the right level of coverage.

Your Partner in Home Protection

For over 40 years, JHC Services has been protecting Hawaii’s families with personalized insurance solutions. Our team understands the unique risks of living in the islands and works with top carriers to ensure you get the best coverage for your home at the most competitive rates. With JHC, you’re more than a client—you’re part of our ohana.