Seeking an independent insurance broker on Oahu.

[Doug Nordman]

I'm a long-time BP & forum member, but this is only the second time I've started a thread here.

I’m seeking a referral to an independent insurance broker on Oahu. I’m also happy to talk with claims adjusters if they have opinions on what insurance companies we should use-- or avoid.

We’d like to thoroughly overhaul our policies on our home, our rental property, our umbrella liability, and (possibly) auto insurance. (We do not need life insurance or personal property insurance.) We have a mortgage on our home but our rental & cars are paid off, so we have some room for negotiating amounts & deductibles.

Our property & umbrella policies are with Armed Forces Insurance and our autos are with USAA... for the last 40 years.  It’s been over five years since our last policy quotes (because pandemic).  I’m agnostic about continuing with either of those companies but they’ve treated us reasonably well over the decades. We might end up just haggling over their renewals but I'd like to make an informed decision.

I realize that fire insurance is getting a lot more expensive and we're all too familiar with hurricane insurance. I know how to spend hours on worksheets and talking with call centers, but this time we’re hoping to have the underwriters tailor their policies with much higher deductibles. I don’t know whether that’s possible.

I also have no idea how local insurance brokers are paid, and I’d be happy to learn more about that too.