Your home is where your family seeks safety, security, and protection from the forces of nature. The home that provides your family with protection also deserves protection. Pyramid Insurance has access to insurance coverage that can protect your home and contents from damage by fire, lightning and other perils, and protect you and your family from liability due to bodily injury or property damage to others. Additionally, our agents can assist in finding coverage for oceanfront properties, properties with only catchment systems, and properties with other unique properties. We work on your behalf to find the right coverage with the best pricing to insure your home and personal property.
If you live in a condominium or townhome with an association, it is likely that the condo association (AOAO’s) insurance policy only provides coverage for its legal liability and for damage to property owned by the association like the building and common areas. Because the association policy likely provides no protection to you as a unit owners, purchasing a Unit Owner’s policy will help protect the personal liability of you as the owner for damage to other units, as well as your personal property within the unit.
If you are one of the lucky few to own rental property and want to protect your investment against loss by fire, lightning, and other perils, then a Dwelling Fire Policy is for you. Let us help protect your investment by properly insuring your dwellings and personal property.
Equipment Breakdown coverage protects all your important home systems and personal property in the event of a mechanical or electrical system breakdown. Pyramid Insurance has access to carriers that will include this coverage as part of a Homeowners, Condo or Dwelling Fire policy. This coverage protects large equipment in your home such as air conditioning systems, photovoltaic, solar water heating systems, refrigerators, and swimming pool equipment.
Many renters are not aware that their personal effects are not covered by the landlord’s insurance policy. Renters are responsible for purchasing Renter’s insurance to protect their personal property as well as their personal liability.
Hawaii law requires all motor vehicles used on public roads to carry a motor vehicle insurance policy. Whether commuting to work or running errands, driving is a part of our Island lifestyle. You depend on your vehicle to get you safely to your destination, and we can tailor an auto insurance policy that protects you, your passengers, and your vehicle. You can feel secure knowing that you are protected for any accidents or damage to your vehicle. When the unexpected occurs, you can count on us to help get you and your vehicle back on track.
Accidents happen. In the unfortunate event that an accident results in serious injuries or property damage that exceeds your auto or homeowner’s insurance liability limits, you may be faced with paying the difference out of your own pocket. An umbrella policy can provide the additional liability limits needed to fill the gap.
Hawaii’s hurricane season runs from June through November. Hurricanes are strong storms that endanger life and property. Preparation is your best protection against the damages of a hurricane. It is essential that you review your insurance policies each year to ensure they provide the protection you and your family need. A conversation with your insurance agent is all it takes.
Flooding and earthquakes can happen at any time. Most property owners are not aware that their homeowner’s policies may not provide coverage for the damages caused by flooding and earthquakes .