{"id":2133,"date":"2017-08-10T11:04:49","date_gmt":"2017-08-10T21:04:49","guid":{"rendered":"http:\/\/dod.hawaii.gov\/hiema\/?page_id=2133"},"modified":"2026-02-26T17:22:59","modified_gmt":"2026-02-27T03:22:59","slug":"prepare-your-home","status":"publish","type":"page","link":"https:\/\/dod.hawaii.gov\/hiema\/prepare-your-home\/","title":{"rendered":"Protect Your Home"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Homeowners insurance and renters insurance can be complicated topics. Different policies cover different types of damage. For example, hurricane insurance covers wind damage caused by a categorized hurricane, but not storm surge damage from a hurricane, which is covered by flood insurance. Similarly, some policies may not cover damage from a lava flow, but may cover damage from a fire that resulted from a lava flow.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The best thing you can do is call your insurer to find out exactly what your policy covers. You can also visit the <a href=\"https:\/\/cca.hawaii.gov\/ins\/\">State of Hawai\u02bbi Department of Commerce and Consumer Affairs\u2019 Insurance Division website by clicking here<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on the hazards that threaten your home, you may want to look into:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fire insurance<br><\/li>\n\n\n\n<li>Hurricane insurance<br><\/li>\n\n\n\n<li>Flood insurance<br><\/li>\n\n\n\n<li>Earthquake insurance<br><\/li>\n\n\n\n<li>Lava flow insurance<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\"><style>.kb-image2133_6aa607-13 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<div class=\"wp-block-kadence-image kb-image2133_6aa607-13\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"649\" height=\"840\" src=\"https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/My-Insurance-Doesnt-Cover-What-DCCA-publication-cover.png\" alt=\"\" class=\"kb-img wp-image-14350\" srcset=\"https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/My-Insurance-Doesnt-Cover-What-DCCA-publication-cover.png 649w, https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/My-Insurance-Doesnt-Cover-What-DCCA-publication-cover-232x300.png 232w, https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/My-Insurance-Doesnt-Cover-What-DCCA-publication-cover-500x647.png 500w\" sizes=\"auto, (max-width: 649px) 100vw, 649px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"><style>.kb-image2133_af78fe-29 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image2133_af78fe-29 size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"428\" height=\"846\" src=\"https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/NAIC-home-inventory-app-screenshot.png\" alt=\"\" class=\"kb-img wp-image-14354\" srcset=\"https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/NAIC-home-inventory-app-screenshot.png 428w, https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/NAIC-home-inventory-app-screenshot-152x300.png 152w\" sizes=\"auto, (max-width: 428px) 100vw, 428px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h3 class=\"wp-block-heading\">Inventory<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For both renters and homeowners, having an accurate inventory of your possessions is essential for determining what kind of insurance you need, and for making claims after a disaster damages your property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Take photos or videos of your home and property to have a record of the condition of your home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Create an inventory list of your personal property, such as jewelry, furniture, computers, electronics, clothes and appliances. Receipts, model numbers and serial numbers will strengthen your inventory. Add your insurance information, including the policy number and agent\u2019s phone number. Leave a copy of your inventory with friends or relatives, and email yourself a copy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The National Association of Insurance Commissioners (NAIC) offers a handy inventory app that can help. This app can record your belongings room by room. Plus, you can upload photos of your items and even scan barcodes. Check out the app here <a href=\"https:\/\/content.naic.org\/consumer\/home-inventory\">https:\/\/content.naic.org\/consumer\/home-inventory<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Home Improvements<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">There are number of improvements and strategies you can use to enhance your home\u2019s resilience to natural disasters. Use the &#8220;Tools and Resources&#8221; section below for home improvement tips, and visit HIEMA\u2019s natural disaster webpages for information on protecting your home:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/dod.hawaii.gov\/hiema\/wildfire\/\">Wildfire<\/a><br><\/li>\n\n\n\n<li><a href=\"https:\/\/dod.hawaii.gov\/hiema\/hurricane\/\">Hurricane<\/a><br><\/li>\n\n\n\n<li><a href=\"https:\/\/dod.hawaii.gov\/hiema\/earthquake\/\">Earthquake<\/a><br><\/li>\n\n\n\n<li><a href=\"https:\/\/dod.hawaii.gov\/hiema\/natural-disasters-2\/volcanic-hazards\/\">Volcano<\/a><br><\/li>\n\n\n\n<li><a href=\"https:\/\/dod.hawaii.gov\/hiema\/flood\">Flood<\/a> <\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Tools and Resources<\/h3>\n\n\n\n<div style=\"height:19px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box2133_7196d1-1f .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box2133_7196d1-1f .kt-blocks-info-box-link-wrap{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.kt-info-box2133_7196d1-1f.wp-block-kadence-infobox{max-width:100%;}.kt-info-box2133_7196d1-1f .kadence-info-box-image-inner-intrisic-container{max-width:636px;}.kt-info-box2133_7196d1-1f .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:90.4088%;width:636px;height:0px;max-width:100%;}.kt-info-box2133_7196d1-1f .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box2133_7196d1-1f .kt-info-svg-icon-flip, .kt-info-box2133_7196d1-1f .kt-blocks-info-box-number{font-size:50px;}.kt-info-box2133_7196d1-1f .kt-blocks-info-box-media{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box2133_7196d1-1f .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box2133_7196d1-1f .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box2133_7196d1-1f\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\" href=\"https:\/\/seagrant.soest.hawaii.edu\/homeowners-handbook-to-prepare-for-natural-hazards\/\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/Screenshot-2026-02-26-164253-1-e1772161024368.png\" alt=\"\" width=\"636\" height=\"575\" class=\"kt-info-box-image wp-image-14399\" srcset=\"https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/Screenshot-2026-02-26-164253-1-e1772161024368.png 636w, https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/Screenshot-2026-02-26-164253-1-e1772161024368-300x271.png 300w, https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/Screenshot-2026-02-26-164253-1-e1772161024368-500x452.png 500w\" sizes=\"auto, (max-width: 636px) 100vw, 636px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">Homeowner&#8217;s Handbook for Natural Disasters<\/h3><\/div><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box2133_a80a88-c2 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box2133_a80a88-c2 .kt-blocks-info-box-link-wrap{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.kt-info-box2133_a80a88-c2.wp-block-kadence-infobox{max-width:100%;}.kt-info-box2133_a80a88-c2 .kadence-info-box-image-inner-intrisic-container{max-width:636px;}.kt-info-box2133_a80a88-c2 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:90.4088%;width:636px;height:0px;max-width:100%;}.kt-info-box2133_a80a88-c2 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box2133_a80a88-c2 .kt-info-svg-icon-flip, .kt-info-box2133_a80a88-c2 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box2133_a80a88-c2 .kt-blocks-info-box-media{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box2133_a80a88-c2 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box2133_a80a88-c2 .kt-infobox-textcontent h3.kt-blocks-info-box-title{letter-spacing:-0.2px;}.kt-info-box2133_a80a88-c2 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box2133_a80a88-c2\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\" href=\"https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/My-Insurance-Doesnt-Cover-What-DCCA-publication-cover-1.png\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/Screenshot-2026-02-26-164334-1-e1772161064373.png\" alt=\"\" width=\"636\" height=\"575\" class=\"kt-info-box-image wp-image-14401\" srcset=\"https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/Screenshot-2026-02-26-164334-1-e1772161064373.png 636w, https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/Screenshot-2026-02-26-164334-1-e1772161064373-300x271.png 300w, https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/Screenshot-2026-02-26-164334-1-e1772161064373-500x452.png 500w\" sizes=\"auto, (max-width: 636px) 100vw, 636px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">My Insurance Doesn&#8217;t Cover What? By DCCA Hawai\u02bbi<\/h3><\/div><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box2133_ad9149-87 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box2133_ad9149-87 .kt-blocks-info-box-link-wrap{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.kt-info-box2133_ad9149-87.wp-block-kadence-infobox{max-width:100%;}.kt-info-box2133_ad9149-87 .kadence-info-box-image-inner-intrisic-container{max-width:636px;}.kt-info-box2133_ad9149-87 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:90.4088%;width:636px;height:0px;max-width:100%;}.kt-info-box2133_ad9149-87 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box2133_ad9149-87 .kt-info-svg-icon-flip, .kt-info-box2133_ad9149-87 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box2133_ad9149-87 .kt-blocks-info-box-media{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box2133_ad9149-87 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box2133_ad9149-87 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box2133_ad9149-87\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\" href=\"https:\/\/view.hawaiianelectric.com\/handbook-for-emergency-preparedness\/page\/1?_gl=1*1jxutf8*_ga*MzU1MDA2OTIwLjE3NzIxNjAyNDY.*_ga_8VKC9WNWB9*czE3NzIxNjAyNDUkbzEkZzEkdDE3NzIxNjAyNzckajI4JGwwJGgw\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/Screenshot-2026-02-26-164630-1.png\" alt=\"\" width=\"636\" height=\"575\" class=\"kt-info-box-image wp-image-14400\" srcset=\"https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/Screenshot-2026-02-26-164630-1.png 636w, https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/Screenshot-2026-02-26-164630-1-300x271.png 300w, https:\/\/dod.hawaii.gov\/hiema\/files\/2026\/02\/Screenshot-2026-02-26-164630-1-500x452.png 500w\" sizes=\"auto, (max-width: 636px) 100vw, 636px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">Hawaiian Electric Handbook for Emergency Prep<\/h3><\/div><\/a><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Insurance Homeowners insurance and renters insurance can be complicated topics. Different policies cover different types of damage. For example, hurricane insurance covers wind damage caused by a categorized hurricane, but [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"7693,6854,2965,3987,180,184","_relevanssi_noindex_reason":"","footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-2133","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/dod.hawaii.gov\/hiema\/wp-json\/wp\/v2\/pages\/2133","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dod.hawaii.gov\/hiema\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/dod.hawaii.gov\/hiema\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/dod.hawaii.gov\/hiema\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/dod.hawaii.gov\/hiema\/wp-json\/wp\/v2\/comments?post=2133"}],"version-history":[{"count":4,"href":"https:\/\/dod.hawaii.gov\/hiema\/wp-json\/wp\/v2\/pages\/2133\/revisions"}],"predecessor-version":[{"id":14405,"href":"https:\/\/dod.hawaii.gov\/hiema\/wp-json\/wp\/v2\/pages\/2133\/revisions\/14405"}],"wp:attachment":[{"href":"https:\/\/dod.hawaii.gov\/hiema\/wp-json\/wp\/v2\/media?parent=2133"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}