Personal Umbrella Insurance for Pauwela 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 homeowner association or marina needs.
Why Pauwela Residents Choose Umbrella Coverage
Tourist traffic, coastal living, hiking trails, and water activities 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 & Homeowner Rules
Auto Policy: Minimum Requirements
Hawaii requires minimum auto liability of $20k/$30k for bodily injury and $10k for property damage, but umbrella carriers often require higher limits like $25k/$50k. We’ll ensure your policy meets these 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, ATVs, and other exposures common in Hawaii.
Homeowners & Associations
Hawaii law requires liability insurance for properties, especially in areas like Pauwela. Your personal umbrella generally excludes business pursuits; consider a commercial umbrella for rentals or businesses.
Pauwela Area Regulations
In Maui County, properties may need to comply with local building codes and insurance requirements. We’ll coordinate certificates of insurance for associations or lenders.
Tip: Keep records for water safety courses, security systems, and any pet training—these can help with underwriting.
What Your Pauwela Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or incidents involving tourists
- Drivers in busy areas with teen or multiple drivers
Home & Premises
- Slip-and-fall injuries on beaches or property
- Pool, boating, or hiking-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 ocean exposures
What’s Not Covered
- Intentional acts
- Business activities and most rental 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 Pauwela families start at $1M–$2M. If you have water activities, teen drivers, or higher assets, 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; Hawaii roads have unique risks |
| Boats / PWCs | Ensure boat liability meets minimums to be covered by the umbrella |
| Coastal property | Underwriting questions apply; flood or hurricane history can limit options |
| Rental units | Use commercial liability + umbrella for business pursuits |
Our Process for Pauwela 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, marinas, and boards.
- Annual Review — adjust for new drivers, property changes, or claims.
