Are visitors not well liked in Kona? (Hilo, Kailua: appointed, mortgage approval)

[Fredesch]

Does politics and attitude matter? If not any will do, if it does, then Hawaii is more liberal and laid back. Florida is conservative and depressing. And SoCal is all over the mood map.

[terracore]

Originally Posted by Ford Beebe

The price of hurricane insurance in Florida is astronomical. You have to either pay the huge insurance premiums or live far inland (swamp). It's $400 a year for me in Hawaii. I imagine hurricane insurance for coastal Texas properties is also expensive.

You might want to look at other carriers. My home insurance in Hawaii, including hurricane insurance, is about the same as what you are paying just for hurricane insurance. Dongbu.

[Dreaming of Hawaii]

We pay $300 for hurricane insurance on top of the $500 for homeowner's insurance. It all depends on the value of your home, deductibles, etc.

[davephan]

Originally Posted by Dreaming of Hawaii

We pay $300 for hurricane insurance on top of the $500 for homeowner's insurance. It all depends on the value of your home, deductibles, etc.

Is that $500 per year for homeowners insurance? If so, that's cheap compared to our homeowners insurance which costs about $2,000 per year. We don't get the hurricanes this far north, but we get occasional hail in storms and tornadoes, plus blizzards in the winter.

[Ford Beebe]

Originally Posted by terracore

You might want to look at other carriers. My home insurance in Hawaii, including hurricane insurance, is about the same as what you are paying just for hurricane insurance. Dongbu.

Mine is through Zephyr. The cost of the house may be a factor, but thanks for the good advice. It's worth checking out...I don't want to pay a dollar more for insurance if I can help it!

[Dreaming of Hawaii]

Originally Posted by davephan

Is that $500 per year for homeowners insurance? If so, that's cheap compared to our homeowners insurance which costs about $2,000 per year. We don't get the hurricanes this far north, but we get occasional hail in storms and tornadoes, plus blizzards in the winter.

Per year. We don't get hurricanes on the Big Island, either, but the mortgage companies require hurricane insurance.

[davephan]

Originally Posted by Dreaming of Hawaii

Per year. We don't get hurricanes on the Big Island, either, but the mortgage companies require hurricane insurance.

I heard that the last hurricane that hit Hawaii was about 9 years ago, and it hit the Big Island, missed Maui and Oahu, and hit Kauai. I think that Hawaii has had 4 hurricanes in the past 63 years, so it's pretty rare. Compared to Florida, they get hurricanes probably every year, sometimes multiple times per year.

[Dreaming of Hawaii]

Hurrican Iniki (the one that caused so much damage on Kauai) was in 1992. Didn't do much of anything to the BI.

If you do a little bit of reading, you'll find that hurricanes break up when they get to the BI due to Mauna Loa and Mauna Kea. We usually just end up getting some much-needed rain.

[oregonwoodsmoke]

Originally Posted by Dreaming of Hawaii

Per year. We don't get hurricanes on the Big Island, either, but the mortgage companies require hurricane insurance.

Insurance is all about spreading the risk. So the hurricane insurance premiums in Hawaii are paying for the hurricane damage in Florida.

[Dreaming of Hawaii]

Originally Posted by oregonwoodsmoke

Insurance is all about spreading the risk. So the hurricane insurance premiums in Hawaii are paying for the hurricane damage in Florida.

If that's true then why don't people everywhere just pay higher premiums? Why call it something that it isn't?