Last Updated: 04/18/2025
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Highlights
Financial Strength Rating
A(Verified 04/18/2025)
Island Insurance Co Review
Island Insurance Co is an insurance carrier based in Honolulu, HI. The company was founded in 1940 and offers flood insurance in 1 state in the USA. Flooding is the number one natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage.
Island Insurance Co FAQ
What types of coverage does Island Insurance Co offer?
Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage. Island Insurance Co only offers federal flood insurance policies..
NFIP Flood Coverage: Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000.
- Dwelling Coverage: Also called dwelling insurance. This is the part of your flood insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home. Federal flood insurance has a maximum coverage of $250,000. If you have a mortgage, your lender may require you to apply for excess flood coverage.
- Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them. Federal flood insurance through the National Flood Insurance Progam maxes out at $100,000. If that doesn't cover the value of your personal property, consider buying excess flood coverage.
Island Insurance Co customers can also add the following riders or endorsements to their home insurance policies:
How can you save money on a Island Insurance Co home insurance policy?
When you ask for a quote with Island Insurance Co, make sure you ask for all the discounts you qualify for.
- Flood Zone Designation: The Federal Emergency Management Agency (FEMA) creates flood zone maps that estimate the risk of flooding.
- Freeboard (Property Elevation Above BFE): Homewoners who elevate their homes above the base flood elevations (BFEs) pay lower premiums. For example, adding a 2-foot elevation to a home could reduce your flood insurance premiums by more than $1,000 a year.
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Island Insurance Co.
What additional benefits does Island Insurance Co offer?
Island Insurance Co offers the following benefits to its customers:
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
What is the financial strength rating of Island Insurance Co?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Island Insurance Co scores an A or excellent, which is SuperMoney's second highest available score.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Island Insurance Co
Hours of Operation
SundayClosedMonday8:00AM - 5:30PMTuesday8:00AM - 5:30PMWednesday8:00AM - 5:30PMThursday8:00AM - 5:30PMFriday8:00AM - 5:30PMSaturday8:00AM - 5:30PM
Other Services by Island Insurance Company
SuperMoney Net Recommendation Score
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Island Insurance Co Community Reviews
Would you recommend Island Insurance Co to your friends?
JA
James A.
Jun 27, 2022
May or may not recommend
After insuring my house for 10 years, suddenly Island (Taea Tagagi) said I was a Duplex (in no way am I) then when challenged by DCCA, said I am a Zero Lot (same as I have been since they inspected my house 10 years ago) and that they don't insure Zero Lots ... then she canceleed my Homeowners Policy. Dishonest and unethical I think. Look elsewhere for insurance because they ...Show More
ES
Elana S.
Mar 3, 2021
May or may not recommend
i’ve had a great time with Island Insurance. Insurance is the most difficult thing to deal with as an adult and insurance companies make it really hard to get everything that i need together. Island Insurance really helped me out during hard times. setting an account is easy , they talk to you with respect, and they understand you’re frustration about everything. there’s nothing like them
and i would highly ...Show More
SD
Sarah D.
Oct 16, 2020
May or may not recommend
My family had excellent experiences with Island Insurance. Insurance is complicated and insurance companies are so predatory that I can't imagine going it alone. Island Insurance exceeded my expectations, setting up auto policies with no notice while I'm waiting in a dealership, and comparing my policies with those of my family to help me make informed decisions.
Showing 3 of 3 reviews