Savings. Service. Security. That’s what you can expect when you insure your home with Island Insurance. Unexpected dangers can threaten the peace and security of your home when you least expect it, and Island Insurance’s Homeowners policy is your defense against the uncertainties of day-to-day living. It protects you as well as your family and personal property from theft, fire, personal liability, and, now with an optional coverage, even Ground Termites.

We have built our company one customer at a time by offering benefits tailored to Hawaii’s homeowners and practical discounts to provide real value.

• Wide Range of Discounts - Multi-Policy, Renewal, Loyalty, Alarm, Fire Alarm, Age of Dwelling

• Equipment Breakdown Coverage - Included with your Homeowners Insurance policy at NO ADDITIONAL COST, this extends coverage to all of your important home systems and personal property due to loss by mechanical or electrical breakdown.

• Identity Theft Resolution Assistance - Island Insurance automatically provides this service AT NO ADDITIONAL COST to its Homeowners Insurance polilcyholders and their resident family members.

• Island Insurance Ground Termite Coverage is optional and available when obtaining a new Island Insurance Homeowners policy or upon renewal of your existing Island Insurance Homeowners policy.

The Island Advantage

• RecognizedasoneoftheTop50Property&CasualtyInsurers in the nation by the Ward Group for more years than any other Hawaii-based insurer.

• WithIslandInsurance,yougetourfinancialstrengthand long-standing commitment to the people of Hawaii. Founded in downtown Honolulu in 1939, Island Insurance is Hawaii’s largest locally-owned and managedproperty&casualtyinsurancecompany.

• Rated“A”(Excellent)byA.M.Best,theworld’soldestand most authoritative insurance company financial ratingsorganization.

Homeowners Insurance

An Exclusive Option for our Homeowners Policyholders

Ground TermiteC O V E R A G E

For More Information:

Ask your Independent Insurance Agent for Island Insurance, or contact us for a referral:

Protecting Hawaii’s Families and Businesses Since 1939

Island Insurance Company, Ltd. Tradewind Insurance Company, Ltd.

Island Premier Insurance Company, Ltd.

Island Insurance Center 1022 Bethel Street • Honolulu, HI 96813

Phone: 564-8200 Neighbor Islands Toll-Free: 1-888-312-2525

www.islandinsurance.com

MKT 218211 Proudly Printed in Hawaii

A Homeowner’s Worst Nightmare

Ground Termites thrive in Hawaii’s warm, humid climate and are the single most harmful pest to our island homes. They are responsible for approximately $1 billion in property damage annually and destroy more homes than fires.

When Ground Termites target your home, they enter throughminisculecracksassmallas1/32”andliterallyeatyour home from the ground up, often remaining undetected for months or even years. They eat 24 hours a day, destroying wood and damaging plastic plumbing pipes, sub-flooring and even swimming pool liners.

Ground termites are more pervasive than other types of termites,liveinundergroundcoloniesofupto10million,and can work so fast, many homeowners don’t realize they’ve invaded until serious and extensive damage has already been done to their family homes.

Island Insurance is the first insurer in Hawaii to offer this innovative solution to the constant threat of Ground Termites to its Homeowners policyholders. Ground Termite Coverage is designed for complete protection and is one of the most cost effective and convenient options available today.

Certified Inspection

A certified specialist will pre-inspect your home at no cost to you to determine if you are immediately eligible for Ground Termite Coverage.

As an Island Insurance Homeowners policyholder with optional Ground Termite Coverage, you will receive an annual inspection of your home for Ground Termites. If there are no signs of Ground Termites or related damage during these inspections, you can rest assured that your home is Ground Termite-free.

Repair and/or Treatment

If any Ground Termite damage is found and confirmed within your Island Insurance Homeowners policy period, your home will be repaired and/or treated completely FREE OF CHARGE. Your Homeowners insurance deductible will not apply. This benefit is a tremendous advantage over traditional methods.

Professional Service and Support

Betweenannualinspections,ifyoueverseesignsofGroundTermites or damage caused by Ground Termites, simply call. We’ll arrange for an inspection by a certified specialist.

The Smarter Choice

The Island Insurance Ground Termite Coverage is a simpler, greener alternative to standard ground termite prevention methods. Our Ground Termite Coverage...

• WillrepairnewdamagetoyourhomecausedbyGroundTermites

• Doesnotrequiretheregularuseoftreatmentchemicals

• Savesyoutheheadacheofdrillinggroundtreatmentholesinyourfoundationor monitoring baiting stations

• Ismoreeconomicalthanmanytraditionalpreventionmethods,ataminimalcost of only $23 per month(seeComparisonChartbelow)

Island Insurance Ground Termite Coverage

Standard Baiting System

Standard Ground Treatment

Repair Ground Termite Damage YES NO NO

Cost $276 annually $1,000-$2,000initialsetup, plus$300-$400annuallyfromsecond year and beyond*

$1,000-$2,000every5years*

Comparison Chart

* based on survey of six termite pest control companies

Ground Termite swarmers with wings, emerging from an infested home. Ground Termites can be winged or wingless.

EvidenceofGroundTermites:mudtunnelsanddamage

Ground TermitesIsland Insurance Ground Termite Coverage

Some restrictions may apply. The information contained herein is general in nature and does not represent insurance contract provisions or take the place of an insurance review.