Zephyr, a Greek word meaning gentle or westerly wind, recalls the type of weather we enjoy in Hawaii most of the time. Unfortunately, we have seen first-hand the devastating affect a hurricane can have on our homes and community. It is during these unexpected occurrences that Zephyr will be there to support you.
When Hurricane Iniki occurred, on September 11, 1992, it significantly changed the complexion of the Hawaii property insurance market. Availability and affordability of hurricane coverage became major issues, influenced primarily by the reinsurance market and other worldwide catastrophes. The State of Hawaii, in response to the evolving crisis, established the Hawaii Hurricane Relief Fund (HHRF) in 1993 to alleviate the crisis with respect to residential hurricane insurance requirements. As the hurricane insurance market improved in the following years, the HHRF discontinued issuing hurricane policies and Zephyr Insurance Company, Inc. was formed in 2000.
Maintaining strong relationships with the state’s major homeowner’s insurance companies, along with a financially strong and secure reinsurance program, Zephyr has become a leader in residential hurricane insurance in Hawaii. Becoming wholly owned by Heritage Insurance Holding, Inc. (NYSE: HRTG) in 2016, Zephyr is the sister company of Heritage Property and Casualty and Naragansett Bay Insurance Company. Together they provide homeowner’s insurance for 11 states along the Eastern seaboard of the United States.
By combining our personalized, local service with the financial strength of a publicly traded company, Zephyr is able to offer the very best hurricane insurance product for Hawaii residents.