Local Kailua, Hawaii insurance coverage that fits your family & business needs, with a team that knows your name.
Home, flood, and umbrella insurance in Kailua, Hawaii
Kailua sits on Oahu's windward coast below the Koolau Mountains, known for Kailua Beach, Lanikai, and Kawainui Marsh, the largest wetland in Hawaii.
Wetland, stream, and coastal flooding
Homes near Kawainui Marsh, Enchanted Lake, and the Kaelepulu Stream can flood during heavy windward rain, and beachfront homes face high surf and erosion. We quote flood insurance separately from your home policy.
Higher-value homes
Kailua and Lanikai have many higher-value and beachfront homes. We shop homeowners and high-value home coverage with hurricane coverage written separately where needed.
Vacation rental rules
Honolulu County restricts short-term rentals, and many owners rent long-term instead. We write landlord policies for those owners and umbrella coverage for added liability.
Your insurance team for Kailua, Hawaii
We work with Kailua households and business owners, and also serve nearby Kaneohe, Waimanalo, Lanikai, Maunawili, and Enchanted Lake, along with communities across Hawaii.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Don’t see your business? Tell us what you do.
Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in Kailua, Hawaii providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Kailua, Hawaii.