Personal Insurance

Personal Insurance

Peace of Mind for You and Your Family

Life is unpredictable, but your insurance shouldn’t be. At JHC Services, we provide tailored personal insurance solutions to protect your most important assets and give you peace of mind. Whether it’s your home, car, or loved ones, our experienced team is here to guide you through every step of securing the coverage you need.

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Coverages We Offer

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Homeowners Insurance

Provides protection for your home, personal belongings, and liability in the event of covered damage or theft. It may also cover additional living expenses if you're temporarily displaced due to a covered loss.


 Please note: standard homeowners insurance does not include coverage for hurricane or flood damage. Separate policies are typically required for those risks.

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Condominium Insurance

Similar to homeowners’ coverage, with an emphasis on “walls-in” coverage, protecting the interior of your condo unit.

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Hurricane Insurance

Also known as “windstorm”, hurricane insurance complements homeowners (HO-3) or condo (HO-6) insurance policies. It specifically covers wind-related damage associated with hurricanes and is a critical protection to have in the State of Hawaii.

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Personal Auto Insurance

Protects your personal vehicles and may offer Liability, Medical Payments, and Physical Damage (Comprehensive and/or Collision). A key coverage to be mindful of is UM/UIM (underinsured/uninsured motorist), safeguarding you and your passengers if you are involved in an accident caused by a driver who has no insurance or possibly not enough coverage to reimburse you for full damages incurred.

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Personal Umbrella Insurance

Also known as “sleep” insurance because it offers you better sleep at night! Having a Personal Umbrella offers extra Liability across your Personal Lines portfolio (i.e. Homeowners and Auto Liability). Umbrella insurance is further seen as an immediate value-add for individuals with rental properties.

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Flood Insurance

Separate from Homeowners insurance, a Personal Flood policy may protect your home and personal items caused by a flood. The National Flood Insurance Program managed by FEMA provides flood insurance to property owners up to $250,000 for building coverage and $100,000 for Contents, with an ability to purchase extra coverage in the private marketplace.

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Answers to Your Personal Insurance Questions

  • Why is homeowners and hurricane insurance so expensive?

    Cost of construction (material and labor) in Hawaii, reduction in limits deployed by insurers and year over year reinsurance costs. 

  • What are ways to reduce homeowners insurance premiums?

    Want to lower your homeowners insurance premium? Bundle your policies, raise your deductible, and improve home security to qualify for discounts. Make your home more disaster-resistant and keep it well-maintained. Review your coverage annually, avoid small claims, and maintain good credit. Ask about available discounts and compare quotes regularly. These simple steps can help you save without sacrificing coverage.

  • What is an appropriate replacement cost to insure my property?

    The right replacement cost for your homeowners insurance is the amount needed to rebuild your home with similar materials and quality—not its market value. This includes labor, materials, permits, and cleanup. Factors like square footage, finishes, and local construction costs all play a role. It's important to review this amount regularly, especially after renovations. JHC Services can help ensure your coverage reflects the true cost to rebuild, so you're fully protected.

Protection Tailored to Your Life

JHC Services has been a trusted name in Hawaii for over 40 years. We understand the unique challenges and risks of living in the islands, and our personalized approach ensures that you get the right coverage at the best price. With strong relationships with top carriers and a commitment to exceptional service, we’re here to help you every step of the way.

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