Zephyr policies only offer coverage for the peril of windstorm during a hurricane.

The coverage begins when a hurricane watch or warning is issued by the Central Pacific Hurricane Center of the National Weather Service for the island where the insured property is located and continues for the duration of the hurricane and ends 72 hours after the watch or warning is canceled.


Homeowners insurance is a form of property insurance that covers losses and damages to an individual’s residence, along with furnishings and other assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property. Every homeowners insurance policy has a liability limit, which determines the amount of coverage the insured has should an unfortunate incident occur.


If you have a mortgage on your home, you are required to have hurricane insurance coverage. This is a special type of property-casualty insurance that protects policyholders from property damage caused by hurricanes, that are considered vis major and so might be excluded from standard homeowners insurance policies. Hurricane insurance is usually offered in the form of a rider on a standard casualty insurance policy through the extended coverage endorsement.


Flood insurance is a type of property insurance that covers a dwelling for losses sustained by water damage specifically due to flooding caused by heavy or prolonged rain, melting snow, coastal storm surges, blocked storm drainage systems, or levee dam failure. In many places, a flood is considered a vis major event, and the damage or destruction it causes are uncovered if you do not get supplemental insurance.

Zephyr’s policy offers the following coverage for your Hawaii residence:

  • Coverage A – Dwelling Building
  • Coverage B – Other Structures
  • Coverage C – Personal Property
  • Coverage D – Loss of Use / Fair Market Rent

Additional coverage includes Debris Removal, Reasonable Repairs (cost incurred for necessary repairs to protect covered property from further damage), Collapse (direct physical loss to covered property), Property Removed (direct physical loss while removed from insured location) and Ordinance or Law coverage (up to 10% of the limit of liability that applies to Coverage A for the increased costs you incur due to enforcement of any ordinance or law).

The Zephyr policy provides for replacement cost coverage on buildings and structures under Coverage A and Coverage B subject to coinsurance. For an additional premium, Zephyr also offers optional coverage endorsements such as Personal Property Replacement Cost (includes coverage for major appliances that are not in a fully enclosed building), Economic Demand Surge and Ordinance or Law (additional Limits). Available rate credits include Wind Resistive Devices, Uniform Building Code Credits, Loyalty Credits and Deductibles. Options for deductibles range from 1% – 5%. Credits are available on 3% or higher.

Zephyr strives to provide competitive rates. They are reviewed and approved by the State of Hawaii Insurance Division to assure financial soundness.