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Cary Ichinose - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Hope Chu-Hing - State Farm Insurance Agent
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Iris Kuwaye - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Nelson Fukuhara - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Important Terms Insurance Agents and Agencies Use
The following are some important – but lesser known – insurance terms that may be used by your insurance agent or agency.

Binder: A binder is an initial or limited agreement between an insurance agent or agency and a client. Binders are a way of offering temporary coverage to an individual before a permanent policy is drafted or signed.

Comprehensive Coverage: Comprehensive coverage reimburses a policyholder for uncontrollable occurrences. Comprehensive coverage can be included in auto and homeowners insurance policies and includes events like vandalism, theft, fire, and damages caused by natural disasters like storms and floods.

Endorsement: An endorsement, or rider, is a change made to an insurance agreement that adds or eliminates certain coverage.

Incontestable Clause: An incontestable clause is a part of certain kinds of insurance policies that removes an insurance company’s ability to argue a claim. For example, if someone with life insurance commits suicide, the insurance company cannot deny coverage if the policy has been in effect for a certain amount of time. Incontestable clauses usually take effect after about two years.

Lapse: A lapse is an end to insurance coverage due to nonpayment. Most policies offer a grace period before a lapse occurs.

Mandated Benefits: These are policy benefits that must be offered to health insurance subscribers. Mandated benefits are determined by state and federal laws.

Surcharge: A surcharge is a monthly fee in addition to the usual monthly premium. Surcharges are often added to car insurance policies if a moving violation or accident has been reported.

Underwriting: Underwriting is the process of charging particular rates based on a potential or current client’s general information. This generalization is the degree of insurability of a particular group. For example, a teenage female and an elderly male are classified differently and will pay different premium rates.

Connecture
Our local Hilo area insurance agents specialize in family and individual coverage to suit your budget and needs. Let us make sure you have the coverage you need from our insurance agents.
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National Association of Professional Insurance Age
The members of our prestigious association are the most professional insurance agents available in the nation. Find the right type of provider and coverage you need with our association.
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American Association of Health Plans
If you're looking for a dependable and affordable health insurance agent or agency near you, check our association's directory. Listing only the best insurance agents and agencies in the country.
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National Center for Assisted Living
Businesses specializing in health care coverage should be a part of our nationwide association for health care. Whether you're an insurance agent or agency, you should be a part of our association.
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STANDARD LISTINGS:   INSURANCE-AGENTS-AND-AGENCIES IN/NEAR HILO
Allstate Insurance Write review for this local business
1289 Kilauea Ave Ste D, Hilo, HI 96720
(808) 969-7767  
Finance Insurance LTD Write review for this local business
427 Kilauea Ave Ste A, Hilo, HI 96720
(808) 933-1288  
Pyramid Insurance Centre LTD Write review for this local business
1438 Kilauea Ave, Hilo, HI 96720
(808) 969-7174  
Aflac Write review for this local business
165 Keawe St Ste 101, Hilo, HI 96720
(808) 935-8795  
Atlas Insurance Agency Inc Write review for this local business
525 Kilauea Ave Ste 204, Hilo, HI 96720
(808) 935-2943  
State Farm Insurance Write review for this local business
630 Kilauea Ave Ste 102, Hilo, HI 96720
(808) 933-8500  
Alan Oda Ins Write review for this local business
282 Ululani St Ste 1, Hilo, HI 96720
(808) 935-3360  
Fukuhara Nelson S Write review for this local business
274 Waianuenue Ave, Hilo, HI 96720
(808) 935-4455  
Watanabe Insurance Services Inc Write review for this local business
100 Pauahi St Ste 202, Hilo, HI 96720
(808) 935-8116  
Aflac Write review for this local business
5181 Po Box, Hilo, HI 96720
(808) 961-3454  
Ohana Health Plan Write review for this local business
194 Kilauea Ave Apt 102, Hilo, HI 96720
(808) 961-4860  
Benefits Consul Write review for this local business
17 Makaala St, Hilo, HI 96720
(808) 933-1404  
Business Insurance Services Inc Write review for this local business
1080 Kilauea Ave, Hilo, HI 96720
(808) 935-1888  
Prudential Financial Write review for this local business
1510 Kilauea Ave, Hilo, HI 96720
(808) 935-1948  
Revell James W Write review for this local business
688 Kinoole St Ste 101, Hilo, HI 96720
(808) 961-3366  
Hmsa-Hawaii Medical Service Association Write review for this local business
670 Ponahawai St Ste 121, Hilo, HI 96720
(808) 935-5441  
The Royal Insurance Agency Write review for this local business
120 Pauahi St Ste 201, Hilo, HI 96720
(808) 935-2766  
Medical Billing Write review for this local business
118 Kukuau St, Hilo, HI 96720
(808) 961-2868  
Mutual Underwriters Write review for this local business
275 Ponahawai St Ste 105, Hilo, HI 96720
(808) 969-1110  
Unemployment Insurance Write review for this local business
180 Kinoole St, Hilo, HI 96720
(808) 974-4086  
A I G Hawaii Insurance Company Write review for this local business
111 E Puainako St Ste 108, Hilo, HI 96720
(808) 217-4540  

Insurance agencies and the agents themselves may consider very different coverage plans for homeowners or commercial property brokers. Whether farmers need coverage or you need a plan for your auto, as well as medical or traveling insurance, much can be considered a liability so it’s important to hire a licensed agent who can provide general services. Whether you have specialties, such as traveler insurance or have specific health issues, finding the right group that covers federal needs as well as workers compensation and everything between can make the difference between surviving and losing everything.

  • What rate will my premiums run?
    A quote will be established and then, after everything is set into place, an insurance agency will send you rates with different coverage options. Rates vary depending state to state and whether these are high risk or require long term coverage for a business, network of offices, even national needs can be covered.

  • What property is covered?
    Be clear about the property that is being covered and what it entails. Different elements, such as water or fire, produce a higher risk for certain properties. Liabilities may spike your ratings, so any specialty needs to be addressed.

  • Do you have certification?
    Asking if all the titles are in place for homeowners, as well as automobile owners can affect both liability and management of the insurance plan.

  • Can I get a cheaper premium?
    Most of the time cheaper insurance is available, but this effects how much the insurance company will make available incase your health declines and your medical bills sore, or you have an auto accident. This effects any kind of insurance for travelers, and commercial properties as well as unemployment.


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