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Royal State Insurance experienced professionals are
committed to serving the people of Hawaii with intelligent
insurance solutions protecting individuals and families should
a loss occur.
Contact
Us
Automobile
Royal State Insurance has been serving Hawaii drivers with
Auto insurance since 1971. We are proud to represent many
companies to help you select the type of coverage that will
suit your individual needs at reasonable prices.
Some of the companies we represent for auto insurance
are:
Homeowners Insurance
Whether you own or rent, Royal State Insurance professionals
will help you select the policy and coverage you need to
protect your home, valuables, and personal liability.
Some of the companies we represent for Homeowners/Hurricane
insurance are:
- American Reliable
- DTRIC Insurance
- Fairmont Specialty
- Hawaiian Insurance & Guaranty (HIG)
- ICAT
- Island Insurance
- RLI
- Universal North America
- Universal Property & Casualty
- Zephyr
Motorcycle/Watercraft
Whether you need a policy for a custom bike or ATV, personal
watercraft or boat, Royal State Insurance professionals will
assist you with a personalized policy.
Two of the companies we represent for motorcycle/watercraft
insurance are:
- McGraw Group (Pacific Specialty Insurance)
- Progressive Insurance
Personal Liability Umbrella
In the event that you are sued, awarded damages may exceed
your car or home insurance liability limits. Personal Liability
Umbrella policies provide additional amounts of coverage in
increments of $1 million and supplement your present policies
to provide additional personal liability protection.
Long Term Care Insurance
Understanding Long Term Care Insurance can
be a key tool in protecting your family and assets from the
expenses of home care and care in a long term care
facility. Royal State Insurance professionals will assist
you with these important decisions:
- Why purchase long term care insurance
- How to compare policies and rates
- Do you qualify for Medicaid (government assistance)
Annuities
An annuity is a contract that is created
when a person gives a life insurance company a single payment
or a series of payments that can grow on a tax-deferred basis
that will then be used by the company to guarantee the annuity
holder a lifetime income. Work with a Royal State
Insurance professional to design a plan that pays off for
you.
Life Insurance
Life Insurance is insurance for you and
your family's peace of mind. A life insurance policy can be the
foundation of protection and financial stability after ones
death. Some forms of life insurance may pay
benefits to the insured when terminally ill, and may have an
increasing cash value that is accessible to the owner of the
policy. Royal State Insurance professionals have experience
with all types of policies and the many life insurance
companies that offer them.
Cancer & Other Supplemental Health Insurance
The rising cost of health care contributes greatly to the
cost of medical treatments. Even with health insurance, these
increases affect what you pay for medical care in the form of
escalating copayments and other out-of-pocket
expenses. Supplemental health insurance in the form
of cancer insurance, hospital insurance, accident insurance,
and disability insurance, pays cash benefits to the insured who
can use it to pay medical co-payments and other living
expenses, regardless of any other insurance they may
have.
Royal State Insurance has access to many respected insurance
companies to serve your needs such as, AFLAC, Allstate
Workplace Division, American General, Genworth, ING USA, John
Hancock, MetLife, Pacific Guardian, Prudential, Transamerica,
and United of Omaha, to name a few.
Contact
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