Not the newspaper you want to see on your vacation over coffee and croissants.

Events of the past few weeks in Hawaii should send second home owners looking for their home insurance policies.  Regardless of whether your property is located in the mountains, by the sea or anywhere else, insurance is critical. Remember, there’s always some disaster to be protected from. And in the case of second homes, their often far-flung location may catch you off guard in insurance matters.

Think about it. You’re used to the potential disasters where you live, but those risks are often different elsewhere. My Dallas home owner’s policy has little need to discuss avalanches, hurricanes, tsunamis or volcanos.  Homes in Hawaii may fall victim to all four, but are unlikely to be concerned with tornados.

(more…)

The world is captivated by the images coming out of the big island of Hawai’i this week as Kilauea erupted into the Leilani Estates subdivision. Thus far there are 10 fissures opened along the Eastern Rift Zone that runs along a historic volcanic path, marked by ancient volcanic ridges to the south.

Heat Map listing the 10 current fissures.

Next week, I’ll be in Hawaii on special assignment (ha!) looking into the perils of natural disasters and how insurance is likely the best defense in areas prone to a host of potential disasters. As you can see from the heat map above, there are a lot of homes near this unfolding eruption. There are already multiple stories out about how many regular insurance policies won’t cover homeowners’ damage.

 

Remember: When I’m not stirring up trouble in Dallas, Texas or Honolulu, Hawaii for Candysdirt.com and SecondShelters.com, I’m off scouting interesting locations for a second home.  In 2016 and 2017, the National Association of Real Estate Editors recognized my writing with two Bronze (2016, 2017) and two Silver (2016, 2017) awards. If you’re a Realtor with second home clients who’d like me to feature their journey, shoot me an email sharewithjon@candysdirt.com. Be sure to look for me on Facebook and Twitter. You won’t find me, but you’re welcome to look.