Homeowners

An Agent that Cares for You. A Company that Responds to You.
When you choose Renee Hicks as your Kauai Insurance agent, you have someone who understands your insurance needs and who will be there from the beginning, always ready to help.

Allstate is a company with a long history of helping customers through tough times.
Let’s say, for example, a fire damages your house. As a result, you have additional living expenses while repairs are completed. Those expenses would come out of your pocket. But your homeowners’ insurance pays covered expenses for you, up to policy limits. Even more, as your Kauai Insurance agent, I will help you make the claim process as quick and easy as possible.

What Insurance Can Do for You
We offer different coverage options to help you get the protection you need. Check out the coverage descriptions below to learn more.

Dwelling
Pays for damage to your insured home due to a covered loss, like lightning or fire.

Contents Coverage
Provides protection for covered loss to your movable property, like a stereo, bicycle, furniture or clothing.

Additional Living Expenses
If a covered loss makes your home (or part of your home) uninhabitable, this coverage helps you pay the reasonable increase in living expenses necessary to maintain your normal standard of living.

Family Liability
If someone is accidentally injured or their property is damaged in a covered incident, this coverage provides protection for damages that your are legally obligated to pay.