Hawaii Insurance Guide is an independent editorial publication. This policy explains how we research, write, check, and correct our guides and calculators.
Our sources
We research from primary sources first: the Hawaii Department of Commerce and Consumer Affairs (DCCA) Insurance Division, FEMA and the National Flood Insurance Program (NFIP), including OpenFEMA data, the National Association of Insurance Commissioners (NAIC), Hawaii statutes, and insurer filings and published rate data. Other guides and secondary sources are used only as supporting references, and we say so when a figure comes from one.
Verification
Every article carries a “Last verified” date. Figures are checked against the primary source before publishing, and where sources disagree we show a range instead of a single number.
Corrections
Rates, rules, and program details change, and we sometimes get a figure wrong. When we find an error, we correct it as soon as we can, and corrections are noted on the affected page. If you spot a figure that looks out of date or wrong, please tell us through our Contact page — reader corrections are how many of our updates start.
Not insurance advice
Hawaii Insurance Guide is an independent information site. It is not a licensed insurance agent or broker, and nothing on this site is insurance advice. Confirm your coverage with a licensed Hawaii insurance agent before you buy.
Affiliate disclosure
This site currently has no affiliate relationships: we earn nothing if you click a link or buy a policy. If that ever changes, we will disclose it here on this page.
Last verified: 14 November 2026.