NOTE: If you are a homeowner and are interested in obtaining insurance coverage with HPIA, please contact a licensed insurance agent for assistance. To see a listing of agencies, go to Welcome / How to Obtain Coverage. Submission Guidelines The property must have been declined coverage for basic property insurance by at least two licensed insurers who write residential property insurance. The property must be a residential dwelling used for private residential purposes only. Copyright 2016 Website Designed and Maintained by Webmaster Services Hawaii The increased rates will allow HPIA to continue to offer insurance to homeowners choosing to live in lava zones 1 and 2, who are turned away from other insurance companies and seeking coverage from HPIA as a last resort. The HPIA offers four basic policies, a Dwelling policy, a Homeowner’s policy, a Renter’s policy and a Unit-owner’s policy. Policy limits range from $50,000 to $450,000. YOU SHOULD CAREFULLY READ ALL POLICY FORMS TO DETERMINE ACTUAL COVERAGE. Welcome to the Hawaii Property Insurance Association How To Obtain Coverage If you are unable to obtain Homeowners or Dwelling Fire coverage from a private insurance company, you may qualify for coverage from the HPIA. Q: Where does the HPIA write business? Residential property insurance coverage is available to eligible property owners in all locations in the State of Hawaii, or as designated by the Insurance Commissioner. The Hawaii Property Insurance Association (HPIA) is an unincorporated association of insurance companies in Hawaii, created originally by the 1991 Hawaii State Legislature to provide basic property insurance for persons unable to purchase homeowners coverage in the private market due to the ongoing volcanic eruption in Lava Zones 1 and 2 on the Island of Hawaii. The first basic property policy. In the event of a loss to your property, immediately notify your licensed insurance agent and provide specific information regarding your claim. Your insurance agent will file your claim with the HPIA. If you are unable to contact your agent, you may call (808) 585-3524. Residential property insurance coverage is available to eligible property owners in all locations in the State of Hawaii, or as designated by the Insurance Commissioner.