Personal Umbrella Insurance for Hickam AFB Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for Hawaii, coordinate with your landlord or marina needs.
Why Hickam AFB Residents Choose Umbrella Coverage
High-traffic areas, military base activities, coastal weather risks, and family housing increase the chance of large liability claims. If a judgment exceeds the limits on your auto or homeowners policy, an umbrella helps protect savings, home equity, and future income.
We’ll sync your base policies with carrier requirements, then add an umbrella limit that fits your household, drivers, and properties.
Hawaii Context: Underlying Policies & Landlord Rules
Auto Policy: Minimum vs Higher Limits
Hawaii requires a minimum auto policy of $20k/$30k bodily injury and $10k property damage. Umbrella carriers typically require higher underlying auto liability—often $100k/$300k or more. If your policy is at minimums, we’ll upgrade your underlying limits to qualify.
Home/Condo/Renters Liability
Most umbrellas require at least $100k personal liability on your homeowners/condo/renters policy. We’ll also look at watercraft, ATVs, and other exposures that may need scheduled underlying coverage.
Landlords & Business Owners
Hawaii law requires owners of rental units to carry liability insurance. Your personal umbrella generally excludes business pursuits; landlords and business owners often need a landlord or commercial umbrella to sit over those policies.
Hickam AFB Registration
In Hickam AFB, rental properties may require specific insurance coordination with military housing. We’ll handle certificates of insurance when your lender, association, or base authorities ask.
Tip: Keep records for teen drivers’ training, alarm systems, and any pet training—these can help with underwriting.
What Your Hickam AFB Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or lifetime care claims
- Teen drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on property
- Pool or water-related incidents (subject to underwriting)
Personal Injury (policy-specific)
- Libel, slander, defamation allegations
- Some worldwide incidents within policy territory
Boating & Rec
- Excess over boat/PWC liability when underlying limits are met
- Consider yacht policies for larger vessels and crew exposures
What’s Not Covered
- Intentional acts
- Business activities and most landlord exposures under a personal umbrella
- Professional services (get E&O/D&O and a commercial umbrella)
- Damage to your own property
- Vehicles/boats without required underlying limits
How Much Limit? What Does It Cost in HI?
Most Hickam AFB families start at $1M–$2M. If you have teen drivers, water activities, frequent hosting, or higher assets/income, consider $3M–$5M or more. Pricing is often a few hundred dollars per year for the first million, with additional millions costing less each.
| Exposure | Consideration |
|---|---|
| Teen drivers | Increase limits; some carriers require higher underlying auto |
| Boats / PWCs | Ensure boat liability meets minimums to be covered by the umbrella |
| Dog bite history | Underwriting questions apply; prior claims can limit options |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Hickam AFB Households
- Exposure Map — drivers, properties, pets, boats, online presence, rentals.
- Underlying Tune-Up — set auto/home/boat liability to insurer minimums.
- Limit Selection — net worth + future income + risk profile.
- Bind & Certificates — ID cards and COIs for HOAs, marinas, and base authorities.
- Annual Review — adjust for new drivers, property changes, toys, or claims.
Local Resources
- Hawaii Insurance Division — Auto Insurance Requirements
- Hawaii Insurance Division — Homeowners Insurance Overview
- Hawaii Insurance Division — General Insurance FAQs
- Hawaii State Legislature — Liability Insurance for Rentals (example law)
- Hickam AFB Official Site — Housing and Compliance
- Insurance Information Institute — Should I Buy an Umbrella?
