Ivy Costa

Happy Independence Day!

As we celebrate the spirit of freedom and unity this July 4th, we want to extend our heartfelt gratitude to our community of homeowners. Your trust and support inspire us every day to provide the best protection for your homes and loved ones.

While you enjoy the fireworks and festivities, remember that we’re here to safeguard what matters most to you. Have a safe and joyful Independence Day!

Aloha and Happy 4th of July!

Contact us!
📞 808-853-7760 Direct
📩 [email protected]

With our trusted home insurance plans, you can rest assured knowing that your sanctuary is shielded from unexpected challenges. Inquire now and discover how we can help you build a strong foundation for your family's future.

Contact us!
📞 808-853-7760 Direct
📩 [email protected]

Get personalized home insurance advice to safeguard your house and everything that makes it a home. Talk to an agent today to find the best coverage for your needs.

Protecting your most valuable asset – your home, is our main responsibility. Let me help make sure you’re properly covered.

Inquire now!
📞 808-853-7760 Direct
📩 [email protected]

Your new home deserves the best protection! Consult with an insurance agent to ensure your homeowner's insurance meets all your needs.

Inquire here:
📞 808-853-7760 Direct
📩 [email protected]

On this Memorial Day, we honor and remember the brave men and women who made the ultimate sacrifice for our country. Their courage and selflessness will never be forgotten.

Thank you for your service and sacrifice. 🇺🇸

Governor Green has proclaimed May 19-25, 2024 as "Hurricane Preparedness Week in Hawaii".

Hurricane Preparedness Week is crucial for residents in Hawaii, as the islands are vulnerable to tropical storms and hurricanes. It's an opportunity for people to review their emergency plans, gather supplies, and ensure their homes are adequately fortified against potential impacts. From securing loose objects outdoors to stocking up on essential supplies like water, non-perishable food, and batteries, being prepared can make a significant difference in mitigating the effects of a hurricane. It's also a time to familiarize oneself with evacuation routes and shelters, as well as to stay informed about weather forecasts and any advisories issued by local authorities.

And remember, don't hesitate to reach out to an insurance agent if you need help securing coverage.

Ensure you're covered when you need it most. From safeguarding your home's structure to protecting your cherished belongings and providing liability coverage, we've got you covered.

Why Choose Us?
- Comprehensive coverage for your home and personal property.
- Liability protection for unexpected accidents.
- Peace of mind knowing your investment is secure.
- Flexible options tailored to your needs and budget.

Don't wait until it's too late! Inquire now for expert assistance in finding the perfect homeowner insurance plan for you and your family.

Safeguard your future today!
📞 808-853-7760 Direct
📩 [email protected]

Don't wait until it's too late! Contact us now to learn more about our homeowner insurance options and take the first step towards securing a brighter, worry-free future for you and your family. Your home deserves the best protection, and we're here to provide it!

Inquire here:
📞 808-853-7760 Direct
📩 [email protected]

Given the heightened risk of natural disasters in Hawaii, including tropical storms and their associated hazards, it's highly recommended for residents to carry both homeowners insurance and flood insurance at a minimum.

Regardless of lender requirements, we suggest Hawaii residents carry homeowners insurance and flood insurance at a minimum. It would be wise to add protection for storm winds as well.

Consult your agent today!
Inquire here:
📞 808-853-7760 Direct
📩 [email protected]

Homeowners insurance rates in Hawaii can vary significantly based on the city you reside in. Factors such as local climate risks, crime rates and the general cost of living in different cities contribute to these variations. Below is a detailed view of how insurance rates differ across various Hawaiian cities. This information can be helpful for homeowners to understand the potential cost differences in insurance premiums depending on their specific location within the state.

source: https://www.bankrate.com/insurance/homeowners-insurance/hawaii

Take an inventory. Go through every room in your home; write down and take pictures or videos of everything in the room. Inventory everything, including valuable items such as antiques, electronics, jewelry, collectibles, and guns.

Do this before a disaster strikes. The NAIC's free Home Inventory App will help you with the process. You can download it from the App Store and Google Play. It allows you to take pictures and document your items by room and category.

Review your policy for the limits of your coverage.

Consult your agent today!

Inquire here:
📞 808-853-7760 Direct
📩 [email protected]

See less

A Consumer’s Guide to Home Insurance:

Home insurance isn't just a safety net; it's a shield for your assets and a key to meeting your lender's requirements.

Consult your agent today!

Inquire here:
📞 808-853-7760 Direct
📩 [email protected]

Dive into flood insurance coverage! Before the tide turns, ensure your policies align with Hawaii Insurance Division and NAIC recommendations. Don't get swept away – consult your agent today!

Inquire here:
📞 808-853-7760 Direct
📩 [email protected]

Annual Insurance Policy Review: Stay Protected

The Hawaii Insurance Division advises reviewing your insurance policies annually, including homeowners, hurricane, flood, and auto coverage. Life changes can impact your needs, such as marriage, divorce, or major purchases. Take this opportunity to ensure your coverage aligns with your current situation for peace of mind.

Inquire here:
📞 808-853-7760 Direct
📩 [email protected]

Ensuring your home is truly covered! Our Coverage Evaluation goes beyond policies – we're here to align your homeowners insurance with the true value of your home and possessions. Your peace of mind starts with personalized protection. Let's secure your home together!

Inquire here:
📞 808-853-7760 Direct
📩 [email protected]

Secure your peace of mind with our comprehensive insurance services! 🏡🚗💼

Whether safeguarding your home against natural disasters, insuring your vehicle for a smooth ride, or protecting valuable items from theft – we've got you covered!

Choose us today for simple and straightforward homeowners insurance, co-op/condo coverage for owners and renters alike, and auto insurance with educational resources for every family member.

Your safety and satisfaction are our top priorities. 🛡️✨

Inquire here:
📞 808-853-7760 Direct
📩 [email protected]

Having the right insurance is a smart way to ensure that an unexpected disaster doesn't become a devastating financial tragedy with a lifelong impact.

Message me and I’ll help you compute the right amount of insurance you need.

📞 808-853-7760 Direct
📩 [email protected]

If you're looking for a comfortable, convenient and affordable place to live, then condo insurance is something you should consider. 🏢 It protects your investment in your home and ensures your peace of mind.

Contact us today and say goodbye to worries and hello to a worry-free lifestyle with our tailored condo insurance policies!

📞 808-853-7760 Direct
📩 [email protected]

🌺 Protect Your Tropical Paradise with Homeowners Insurance in Hawaii! 🌴
welcome to Hawaii, where breathtaking landscapes and stunning beaches are just a part of everyday life. As you embrace the beauty of this tropical paradise, it's important to ensure that your HOME is protected against unexpected events.

Contact us today to get a quote and start protecting your island home!

Looking to save on homeowners insurance? We've got you covered! Let me help you find an affordable homeowners insurance without compromising on coverage.

Inquire Now to Get a Quote:
📞 808-853-7760 Direct
📩 [email protected]

With a comprehensive coverage rest assured that your home is protected against a wide range of perils, from natural disasters such as fire, volcanic activity, and cyclones, to human-made threats like theft and vandalism.

Inquire now to secure comprehensive coverage for your home.
📞 808-853-7760 Direct
📩 [email protected]

Here's a guide in filing for automobile damage claims 🚗

Post-Disaster Claims Guide:
1. SAFE AND SOUND
After a disaster hits, make sure you and your family are safe. Then secure your belongings. Do what you can to secure your home and property to prevent more damage or theft. For example, if windows are broken, board them up. If the roof has a few holes, cover it with a tarp to prevent water damage.

2. REPORT A CLAIM
Once you’ve determined your home is damaged and needs to be repaired or rebuilt, report or file a claim as soon as possible. The easiest way to report a claim is to call your insurance company or agent. You may be able to report or file a claim online or from your cell phone. If you have trouble finding a phone number, try searching for your insurance company online.

3. ESTIMATE DAMAGE
An insurance adjuster will figure out how much damage was done to your home and property. The adjuster will ask you for a home inventory (a list of your personal property) if your personal belongings were damaged or destroyed. The adjuster will visit your home to inspect and estimate the damage done. In this section, you can learn about the different types of adjusters who may work on your claim and what you should do to prepare to meet the adjuster.

4. DETERMINE COVERAGE
Once the adjuster has figured out how much it will cost to rebuild, repair or replace your home or property, the adjuster will review your policy to calculate how much the insurance company will pay. If you’ve never filed a claim before, this process can seem overwhelming. But you can read this section to learn how claim payments are calculated and how your coverage will impact what your insurance company pays. You can learn the meaning of some of the words insurance companies use.

5. REBUILD, REPAIR AND REPLACE
Your recovery from a disaster is not complete until you’re living back in your home. During the recovery phase, you’ll be replacing personal items (if damaged), choosing building materials and working with contractors. Read this section to find tips about working with contractors and how to avoid becoming a victim of fraud.

6. PREPARE
It may sound strange, but the recovery process is the best time to start preparing for the next disaster or claim. Create a home inventory list as you’re replacing your belongings. Also as you’re rebuilding, consider using building materials that will resist damage – so if there’s another disaster, your home may have less damage. For example, you could use impact-resistant shingles or impact-resistant siding.

📍Frequently Asked Questions on Fire Claims

What Does Insurance Cover? 🔥

Fires can be devastating, but having the right insurance coverage can provide crucial support during the aftermath. Here's a breakdown of what your insurance might cover when fire wreaks havoc on your home:

1. Temporary Shelter: In the immediate aftermath of a fire, your insurance may help cover the cost of temporary shelter.

2. Additional Living Expenses: If your property is damaged to the point where it's uninhabitable, homeowners and renters insurance policies often provide coverage for additional living expenses.

3. Property Damage: Insurance typically covers the cost of repairing or replacing your damaged or destroyed property.

4. Personal Belongings: Your insurance may also reimburse you for the loss of personal belongings damaged in the fire.

5. Liability Coverage: If the fire was deemed your fault and you're found responsible for damage to others' property or injuries, your liability coverage can help cover these costs.

6. Medical Expenses: Some insurance policies also include coverage for medical expenses incurred by anyone injured in the fire while on your property.

7. Rebuilding Costs: The cost of rebuilding your home to its pre-fire condition can be substantial. Insurance can provide the financial means to undertake this process.

8. Detached Structures: Don't forget about structures like fences, garages, or guesthouses on your property.

Remember, the specifics of what your insurance covers may vary depending on your policy and the nature of the fire. It's essential to thoroughly review your policy and discuss any questions or concerns with your insurance provider. Being prepared can make a world of difference in the event of a fire emergency.

Stay safe and informed, and ensure your insurance provides the protection you need when it matters most. 🔥🏡🛡️

Hi Everyone, on Friday, Aug. 18 from 10 a.m. – 3 p.m., Zephyr Insurance will be available at the Kahana Door of Faith Church in Lahaina to meet with Maui policyholders who have been impacted by the wildfires and help guide them through the insurance claims process.

The event is open to Maui residents who have a current Homeowners, Condo or Renters policy through Zephyr Insurance or believe they may have one.

Please reach out should you need any assistance or have questions.

Division of Motor Vehicles and Licensing opening Lahaina Satellite Office:

The County of Maui Division of Motor Vehicles and Licensing’s Lahaina Satellite Office will be available beginning Wednesday, August 16, to assist West Maui residents whose Hawaii driver’s licenses or Hawaii State Identification cards have been lost or destroyed by wildfires.

The office will be open from 9 a.m. to 2 p.m.

Duplicates will be reissued at no charge with the cardholders principal address that is on record. Changes will not be allowed.

No other transactions or services will be offered until office data and various system infrastructure are restored.

Walk-in requests for duplicate valid driver's licenses or duplicate valid Hawaii State Identification cards will be accepted from 9 a.m. to 2 p.m. Completed applications will be transported to the Division of Motor Vehicles and Licensing Kahului Service Center for processing. Processed temporary driver's licenses and identification cards will be transported back to the Lahaina satellite office for pickup the next business day from 10 a.m. to 1 p.m.

West Maui residents also may submit requests by providing their full legal name and date of birth and calling the Division of Motor Vehicles and Licensing Call Center at (808) 270-7363 from 8 a.m. to 4 p.m. or by sending email to [email protected].

For more information, call (808) 270-7363.

Source: maui247news