Personal Umbrella Insurance for Makena 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 beachfront or recreational needs.
Why Makena Residents Choose Umbrella Coverage
Tourism, coastal activities, water-related risks, and outdoor recreation 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 & Property Rules
Auto Policy: Minimum Limits
Hawaii requires minimum auto liability of $20k/$30k for bodily injury and $10k for 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 $300k personal liability on your homeowners/condo/renters policy. We’ll also look at watercraft, hiking trails, and other exposures that may need scheduled underlying coverage.
Landlords & Vacation Rentals
Hawaii law requires owners of vacation rentals and properties to carry liability insurance. Your personal umbrella generally excludes business pursuits; landlords and owners often need a landlord or commercial umbrella to sit over those policies.
Makena Registration
In Makena, properties may need to comply with Maui County regulations for rentals. We’ll coordinate certificates of insurance when your lender, association, or the County asks.
Tip: Keep records for water safety training, security systems, and any pet training—these can help with underwriting.
What Your Makena Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or tourist-related claims
- Drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on beaches and paths
- Pool or water activity 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 Makena families start at $1M–$2M. If you have water activities, a pool, frequent guests, 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 |
|---|---|
| Water activities | Ensure boat liability meets minimums to be covered by the umbrella |
| Boats / PWCs | Underwriting questions apply for coastal risks |
| Dog bite history | Prior claims can limit options |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Makena 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 associations and boards.
- Annual Review — adjust for new drivers, property changes, toys, or claims.
