TOGGLE MENU PAY ONLINE/ LOG IN The onset of hurricanes often bring with them sudden financial costs. This policy ensures you’ll be ready. DOWNLOAD THE COMPLETE FIRSTTRACK BROCHURE WATCH THE VIDEOGET A QUOTE QUICK PAYOUTS TO HELP YOU WEATHER THE STORM Unlike traditional hurricane insurance, FirstTrack pays out a predetermined amount based on the strength and proximity of a hurricane, and is designed for both renters and home owners. Why FirstTrack? The ﬁnancial impact of an oncoming storm is often immediate and unexpected. Food spoilage due to blackouts, the cost of emergency supplies—these are just a few of the costs that add up any time a hurricane nears our island home. And when property damage occurs, traditional hurricane insurance can take weeks or months to pay out, and often with high deductibles. FirstTrack pays out quickly, and covers all these sudden, event-related expenses. How does it work? The claims payment process is triggered once a hurricane, as recognized by the National Hurricane Center (NHC), appears to pose a threat to your county. Claims payments are determined by two factors: proximity and storm category. PROXIMITY Payments are determined by which storm track radius claim zone your property falls within. CATEGORY Payments are also determined by the wind speed as deﬁned by the NHC. For more information, see FirstTrack FAQs Pricing for FirstTrack starts at just FirstTrack Payout Calculator Island Select the island you live on Hawaii Kauai Lanai Maui Molokai Oahu Coverage Level Select coverage level $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $15,000 $20,000 $25,000 Yearly premium cost Category of wind speed level as determined by NHC Select wind speed level Category 1 Category 2 Category 3 Category 4 Category 5 Tropical Storm Proximity of the storm's radius to the insured home Select storm radius Radius 1 (closest) Radius 2 Radius 3 (farthest) RESET Total Payout $0 Previous A tropical storm reaches radius 1 in proximity to the apartment she rents. Stacy is happy to receive $12,500 only days after the storm approaches, despite not owning any property. Susan from Hilo SUSAN HAS COVERAGE AT THE $15,000 LEVEL. During hurricane season a category 1 hurricane reaches radius 2 in proximity to her home. Susan is unaffected by the hurricane, but still receives $3,000 dollars two days after the storm. Next 1 2 3 Ready to get started? Request a quote via the form below, by phone at (808) 527-7213 or contact your independent agent. Don't have an independent agent? Click here to ﬁnd one. Please note: Only Hawaii residents with a verified local address are eligible for a FirstTrack policy. Choose between annual limits of $1K-$10K, $15K, $20K and $25K. An active email address and credit card payment are required for purchase. FirstTrack Quote First Name * Last Name * Phone Number * Email Address * Zip Code * Island * Choose Island Hawaii Kauai Lanai Maui Molokai Oahu Contact Preference * --None-- Email Phone Are you human? * MAIN OFFICE 808.527.7777 NEIGHBOR ISLANDS 800.272.5202 OAHU AUTO 808.527.7722 PERSONAL BUSINESS CONNECT First Insurance Company of Hawaii (FICOH) is proud to be part of one of the world’s most respected insurance groups. The Tokio Marine Group — world-class brands that lead the global marketplace. Learn More » © 2021 FIRST INSURANCE COMPANY OF HAWAII, LTD. AGENCY PORTAL SITEMAP DISCLAIMER & PRIVACY POLICY