Our Agency is run by licensed professionals dedicated to make the Ins. process simple and to get our clients the lowest rate.



Our Agency is run by licensed professionals dedicated to make the Ins. process simple and to get our clients the lowest rate.



Our Agency is run by licensed professionals dedicated to make the Ins. process simple and to get our clients the lowest rate.



Our Agency is run by licensed professionals dedicated to make the Ins. process simple and to get our clients the lowest rate.

About Us


Grab interest

  The world is not always fair. Things that are completely out of your control can happen to you at any time, leaving you in financial struggle. But what is a society but an attempt to work together so that we can all live a life which is a little fairer. Democracy gives us the ability for our voices to be heard no matter who we are. Regardless of your financial background if you are smart enough you will get a scholarship so that those who would excel in an area of study can do so and improve society. This is how we at David Chen Insurance Agency Inc think of the insurance we provide. Insurance allows you to make your world a fairer place when disaster strikes. For a low monthly cost you get a team of people waiting to help you out when an accident occurs. We take great pride in providing our valued clients a place to stand when the world tries to pull the rug out from under them. Finding the right insurance to match your finances, lifestyle, and personal situation can be a difficult task because there are so many different factors to consider. At David Chen Insurance Agency Inc we strive to make the process of choosing the right insurance as smooth and easy as possible. Our representatives will clearly explain the process step by step so you know exactly what package would best suit your needs and why. David Chen Insurance Agency Inc is run by experienced licensed insurance professionals dedicated to making the insurance process as simple as possible and to getting our clients the lowest rates for their needs. If you are looking for coverage or looking for better coverage than you currently have then we invite you to contact us. One of our representatives will be glad to answer any questions you may have.     


Generate excitement

HONOLULU Business Owner Policy You work hard to secure you assets and you put in a lot of time and energy to grow your business. When it comes to safeguarding your prospects for your business you can rest easy knowing that David Chen Insurance Agency Inc has got you and yours covered.  Honolulu 's business owners can own a variety of assets including: vehicles, offices and valuable inventory. Every dedicated professional knows and understands that a good business plan is based on maximizing your skills while evaluating your risks. If there is anything that we do better than anyone else, it's in understanding risk. Unforeseen events will happen, there is no preventing that, but there are ways to mitigate them while protecting your company's bottom line. Business insurance can be daunting to any business owner; will my business survive should some of my key employees becomes disabled? Do I have all my bases covered in the case of an emergency? Do I have enough to deal with a potential lawsuit? The fact of the matter is you need to know what your liabilities are when it comes to your Honolulu business. Here are some of the more common business insurance policies that we at David Chen Insurance Agency Inc deal in: § General Liability Insurance § Product Liability Insurance § Employee Insurance § Business Liability Insurance § Various Other Options It's a competitive world out there, whether you have a small, medium or large enterprise, we at David Chen Insurance Agency Inc will always be in your corner. So if you value peace of mind, then give us a call and have us put you and your company on the right track towards a prosperous and secure future. HONOLULU Commercial Auto Insurance With thousands of accidents happening on highways every year, Commercial Auto Insurance provided by David Chen Insurance Agency Inc is always a sensible option for your company and your fleet. When you are on the road, servicing your clients, you need to know that you are covered by the right insurance.  You want to keep your business moving forward and you want to provide your clients with a reliable service that is worthy of your company. We have been providing Honolulu with a peace of mind that only comes from a top quality, comprehensive insurance service. No matter how large or small your fleet is - whether you are just using your own car or many trucks, we have a wide array of suitable plans that can be tailored to you and your company's needs. From theft, to bodily harm, to auto damage, there are a whole series of unforeseen events that can happen to your fleet. This is why we offer versatile plans that are designed to not only let you rest easy, but save you money. Some of the most popular policies we offer include: § Bodily Injury Coverage § Property Damage Liability § Collision Coverage § Comprehensive Coverage § Uninsured/Underinsured Motorist Coverage § Deductable consultation The fact of the matter is there is no 'cookie cutter' plan available, instead we encourage Honolulu 's fleet owners to get in touch with us for consultation where we can work with you on crafting a plan that will suit your specific needs. More often than not, people buy insurance without knowing how much they require; many businesses are only covered for relatively minor fender benders, which is not enough for most accidents. Others have a tendency to go to the other extreme and over insure themselves, which can actually cause a slow bleed that eats into their bottom line. We at David Chen Insurance Agency Inc offer balanced solutions that both protect your fleet and save you money. HONOLULU Commercial Property Insurance Commercial Property Insurance provided by David Chen Insurance Agency Inc is a necessary safeguard for your buildings, contents and other equipment used by your company. If you want to cover most, if not all of your financial losses in the event of a setback, commercial property insurance is always a smart choice.  Like all forms of insurance, there is no standardized solution that will fit all the needs of Honolulu 's diverse commercial community. A business establishment is very similar to a domestic property. It is susceptible to many of the same threats and dangers that can happen to your home; theft, fire, water damage and so on. Though unlike your home, there are many other challenges that present themselves when it comes to your business: equipment breakdown, employee dealings and lost time (and profits) resulting from interruptions throughout the claiming process. Good coverage comes from asking the right questions and matching you and your business with a plan that is right for you. Throughout our many years in the insurance business, we have always put customer service at the heart of our business. If you are looking to get started, get in touch with David Chen Insurance Agency Inc and find out what your most optimal plan can be. We understand that you have a business to run and that you do not have the time to go over all your options. Luckily, our consultants have all the information at hand; we can do all the research and find the best quotes that will match your needs and budget. HONOLULU General Liability Insurance Easy, affordable and flexible, general liability insurance provided by David Chen Insurance Agency Inc is a solid, comprehensive solution for your workplace should you and your firm be faced with either bodily injuries or damages caused by your employees both in and outside the premises of your business. We offer a wide variety of coverage plans for any type of business.  General liability insurance offers flexible solutions that can be tailored and customized to your business. We at David Chen Insurance Agency Inc want to take this opportunity to remind those interested in this type of coverage to consult with us in order to find the plan that is right for them; like other types of insurance, people have a tendency to either over or under insure when they attempt to get coverage by themselves. Even if you are self-employed and run a home based operation you still need coverage found in a general liability insurance plan; remember, most home insurance policies in Honolulu do not cover your home business. Sadly, many small business owners operating from home have found this out the hard way. We want Honolulu to know that no matter what your business is or where it is located you definitely need to get covered. Here are some of the more popular coverage options: § Injuries to customers, employees, vendors and visitors that occur on your premises § Injuries that occur outside your business premises that are caused by an employee § Third party property damage caused by an employee General liability insurance is also highly flexible as it can be combined with other insurance policies. We are here to help the people of Honolulu figure out what are the most cost effective bundles that are best for them and their business. HONOLULU Professional Liability Insurance For those who need protection and coverage regarding claims made against them from third party losses, David Chen Insurance Agency Inc 's professional liability solutions offer a simple and effective way to mitigate and reduce potential losses. Our dedicated and knowledgeable staff can take all the mystery out of the whole process and put you on the right track towards security and comfort. We promise to match our coverage with your standards.  Not everyone is a lawyer and no one has the time to figure out all the legal complexities that can result in a lawsuit. Furthermore, as anyone in Honolulu knows, legal costs can pile up and get very expensive. This is exactly why professional liability is so important; Honolulu 's business owners might be held accountable for damages they may not have even known existed. For instance, did you know that you may find yourself liable for an outsourced product? You can even be liable in even more remote ways, like online commerce and intellectual property issues. This is why we at David Chen Insurance Agency Inc want to encourage everyone in Honolulu to get in touch with us. Remember, all it takes is one substantial lawsuit to not only cause irreparable damage to your company, but also to your reputation which can have long term consequences if left unchecked. You need a company like David Chen Insurance Agency Inc in your corner that seeks out your businesses' characteristics and needs. Once known, we can provide a coverage plan that is designed to suit you and your budget, allowing you to rest easy and focus on what you do best with a clear mind. Understanding all these issues can be daunting if not completely overwhelming for those who are not familiar with them; this type of liability usually requires high levels of analysis from attorneys, actuaries and economists in order to tailor a plan that is right for you and your company. Luckily, we have been in the insurance business for many years and through our networks of dedicated and committed professionals we have been delivering exactly what our clients need. HONOLULU Workers Compensation Whether you have one or one thousand employees, you need to have the right plan in place to control the costs of potential worker's compensation claims. We at David Chen Insurance Agency Inc , with our many years of experience in the field, have been helping some of Honolulu 's most diverse companies find the optimal and least costly solutions for their workers compensation issues.  Worker's compensation insurance can actually be one of the largest expenses a company has to deal with. This is why we offer Honolulu some of the most competitive pricing. Due to our many years dealing with worker's compensation, we have developed all the necessary networks that yield the best rates available. Our premium options are flexible and include some of the following: § Guaranteed cost, by which a premium is paid and fixed according to a policy period based on payroll and employee classification § Loss Sensitive premiums are 'fluid' in the sense that they are adjusted based on previous claims experience § Employer claims based on costs incurred Our approach is based on not only solving problems but preventing them before they start. We offer comprehensive solutions that will not only save you money but also reduce the probability of workers compensations claims happening in the first place; some of these measures include periodic reviews of risk and safety, thorough investigations if instances of fraud are suspected, open claims and experience calculations and return to work programs. So if you want to simultaneously identify your best coverage options, reduce risk, minimize costs and ensure that you and your company will be secure then you should get in touch with Honolulu 's premier insurance providers. Our consultants are no more than a click or call away, waiting to help you rest easy. So why not give us a call? 

HONOLULU Group Health Insurance

Experienced and committed group health insurers

David Chen Insurance Agency Inc has extensive experience offering affordable group health insurance packages to any sized business in the Honolulu region. Ask about our cost effective employee health benefits, secure in the knowledge that our commitment for providing value and service is based on fulfilling the needs of employers and offering practical coverage solutions in conjunction with advanced insurance products.  

A variety of customized health benefit options

Group insurance alternatives include: § Life and accident benefits § Dental Care and Medical coverage § Prescription Drug coverage § Emergency Travel Health insurance § Extended and critical Illness benefits § Medical reimbursement plans § Retirement health insurance plans § Specialty and Customized plans according to requirement 

Practical health coverage solutions - superior, cost efficient group benefit products

David Chen Insurance Agency Inc can provide customized group health insurance to any organization. Experts in finding the particular coverage most suitable for business owners and employers, our representatives provide assistance in the selection of health benefit packages for either small or larger groups. Group health insurance provides financial protection for employees and also allows employers to attract and retain competent staff that helps to maintain steady work productivity and avoid high turnover rates. 

Informed insurance experts provide immediate assistance to employers

Health Insurance plans are offered at competitive rates by knowledgeable representatives available to address concerns, provide solutions and customize the most appropriate insurance packages for your business. For more information on the benefits of group health insurance from David Chen Insurance Agency Inc contact your local representative in the Honolulu area by calling 808.524.3333. 

HONOLULU Dental and Vision Insurance

David Chen Insurance Agency Inc offers affordable group supplementary health care plans that ensure the overall health of your employees and promote the stability of your business. Standard vision benefit plans offer basic or specialized prescription eye care products and medical procedures. Dental coverage group benefits include preventative plans and/or coverage for restorative and orthodontic work.  

Basic maintenance to major restorative – benefit plans that suit your business!

Whether you require routine care or major procedures for your employees, David Chen Insurance Agency Inc dental benefit plans help cover the cost of dental and vision care provided by licensed practitioners and trained medical personnel. Claims are sent and processed directly from the dentist’s office eliminating extra paperwork for your administrators so you can take care of business while we manage your benefits. 

Eye care protection for your Honolulu employees

Employee vision coverage offers a variety of flexible plans as part of your overall healthcare benefit package and include: § Prescription eyeglasses § Contact lenses § Lenses § Frames § Prescription sunglasses § Laser eye surgery § Regular eye exam 

Customized group dental insurance coverage

Dental health care coverage can be provided to your employees with basic or specialized features that may include any of the following: § Preventative § Routine examinations § Major restorative § Orthodontic care Premiums and benefit percentages can vary according to the financial objectives of your company and the requirements of group members. Practical and affordable, David Chen Insurance Agency Inc group dental and vision care insurance helps to protect the health of your employees and ultimately promotes the well-being of your entire business. Contact a Honolulu representative for more information and to tailor the most cost efficient plan for your Honolulu company. 

HONOLULU Life and Ad&D Insurance

David Chen Insurance Agency Inc protects your plan members by providing life insurance that protects their financial security in the event of a death, or that of a dependant. Accidental death coverage includes benefits with added financial protection for sudden and unexpected loss of life or disfigurement. Practical Group protection for your employees made affordable to your Honolulu organization is available today.  

Customized plans - automatic payroll deduction

Flexible and affordable, Group Life and Accidental Death & Dismemberment (AD&D) insurance from David Chen Insurance Agency Inc can form the basis of a solid employee benefits package that provides varying allowance levels for employees and their dependents. Premiums are deducted directly from the payroll and additional coverage can be customized for members if required. Benefits can be based on standard amounts or calculated according to salary. Plans are customized for any sized business and number of employees. 

The right coverage for your employees

Options include: § Employee Term Life (with benefits up to $500,000 and $1,000,000 for accidental death) § Dependent Term Life § Universal Term Life § Optional Life § Group Life Conversion § Accidental Death and Disfigurement 

Benefits in the event of accidental death

Accidental Death & Dismemberment Insurance can be added in conjunction with basic Group Life insurance. This coverage provides plan members with extra financial support in the event of sudden and accidental loss of hearing, speech, sight, paralysis or disfigurement or dismemberment. David Chen Insurance Agency Inc representatives can assist you in planning the most cost efficient benefit plans for your business or organization to ensure that your Honolulu group members are properly protected. Contact a representative for further information: 808.524.3333 

HONOLULU Disability Insurance

David Chen Insurance Agency Inc 's financial advisors customize disability insurance plans to meet any personal or business coverage requirements. A recognized insurance provider in the Honolulu region offering comprehensive benefit options, David Chen Insurance Agency Inc disability protection alleviates financial insecurity and ensures peace of mind in the event of an accident or illness.  

Complete disability protection

When the ability to earn an income is jeopardized or eliminated entirely, only appropriate disability coverage can safeguard against financial devastation for both individuals and/or employers. Statistics reveal that approximately one third of North Americans will experience an accident or prolonged disability that interferes with normal functioning for a period of 90 days or more during an average lifespan. The probability for misfortune usually occurs before retirement age making suitable disability insurance coverage essential. 

Affordable insurance coverage that meets your needs

David Chen Insurance Agency Inc offers several personal and business disability insurance products for professionals, business owners and / or employees in the Honolulu region. Plans are available with standard, optional or specialty benefit features. Basic coverage can be customized or modified according to specific requirements that range from standard benefits, to the most comprehensive protection plans available. Benefits include coverage for: § Long term and recurrent disability § Catastrophic disability § Rehabilitation programs § Transplant surgery § Survivorship 

Customized benefit plans - easy payment options

Affordable and available with easy payment options, disability insurance may be combined with other financial benefit plans to further enhance protection and financial security. David Chen Insurance Agency Inc 's advisors are available now to discuss the many alternatives provided with monthly benefit payments and special cash flow programs. 

HONOLULU Long Term Care

Long term health care insurance provides financial support and resources to any employee in order to maintain the basic necessities of life in the event of a long term disability. David Chen Insurance Agency Inc group plans ensure that employees are provided an income source if they qualify for long term coverage and are unable to work for an extended period of time.  Providing your employees with long term health coverage is a practical option for any sized business. David Chen Insurance Agency Inc offers a wide range of features that can replace a percentage of an employee’s earnings while allowing administrators to define and select from short or long term disability plans. 

A variety of options for long term care coverage

Long term care insurance can function as a core component to an employee benefit package. David Chen Insurance Agency Inc representatives can help tailor the precise terms and options available for this segment of your group coverage plan in accordance with your budget and business objectives. Whether you choose options that include additional insurance purchased by the employee, specific maximum payments, or opt to combine coverage with other medical services and prescription drug allowances, our advisors can help to determine the plan that best suits your organization and workforce. 

Protecting your business from fraud

David Chen Insurance Agency Inc works with businesses and health care professionals in the Honolulu region to support the well-being of affected employees and facilitate their return to work. Employers have access to services which can monitor an employee’s condition as well as ensuring adequate medication and treatment to ensure a speedy recovery and return to regular work and daily activity. To speak to a Honolulu region advisor about long term health insurance for your business call 808.524.3333. 

HONOLULU Retirement Plans

David Chen Insurance Agency Inc in Honolulu provides a wide range of products and services to meet your financial objectives during retirement. Financial investment portfolios specifically designed for income security and protection at retirement can be customized to suit you requirements. Nest egg savings plans, Setting aside funds for education, Business investing or even financially planning for a once in a lifetime vacation during later years.  

Retirement protection

If you are planning for retirement or already retired, David Chen Insurance Agency Inc 's financial advisors can assist you in making the best investments to safeguard your financial security. The most appropriate combination of investments can be customized with a variety of options that include: § Mutual Funds § Registered retirement savings plans § Registered education savings plans § Registered retirement income funds § Tax free savings accounts § Guaranteed interest option and payout annuities § Specialized retirement planning solutions 

Trusted financial advisors

David Chen Insurance Agency Inc 's advisors provide comprehensive assistance on the various pension plans and ways to minimize taxes. Practical solutions are tailored to complement your particular goals and maximize existing assets. Our financial consultants can provide innovative solutions that are flexible, and will ensure a solid income stream, as well as offering options for surviving spouses and additional investment opportunities and financial benefits. Regardless of your particular financial profile, David Chen Insurance Agency Inc is dedicated to helping Honolulu individuals achieve financial security for their retirement planning. 

Easy access helpful information

Please email us with any questions you may have. A trusted advisor will contact you shortly to answer any questions and help determine the retirement strategy most suitable for you. Or call a David Chen Insurance Agency Inc specialist directly at 808.524.3333. 

HONOLULU Life and Health Insurance

David Chen Insurance Agency Inc specializes in providing Group life and health care benefit plans that are customized to meet the requirements of your workforce or group members. For either small businesses or larger companies, our packages are tailored to offer you the most affordable and practical employee coverage available.  

Practical employee benefit packages tailored to your company

If you need a reasonable and realistic solution that still provides essential employee coverage, David Chen Insurance Agency Inc has innovative and practical solutions for your employee benefit package that will maintain your financial objectives while simultaneously fulfilling your obligation to group plan members. Specializing in offering a wide range of group life insurance options and health care plans tailored to the requirements of Honolulu companies, our representatives are waiting to assist you in choosing the optimal coverage mix for your business. 

Trusted advisors - prompt service

David Chen Insurance Agency Inc employee benefit packages are customized to contain core and optional features. Choosing the best alternatives within your budgetary limits is made easy with a simple application process and helpful and knowledgeable advisors that can set up plans for your members promptly. 

Primary life and group health insurance options include:

§ Group life (many options) § Term life § Accidental death or disfigurement § Prescription drug coverage § Vision care § Optional supplementary health care and spending accounts § Travel insurance § Critical illness § Long or short term disability § Survivor benefits § Other specialized health care and life insurance options David Chen Insurance Agency Inc understands that you have worked hard to build your business. Our practical employee benefits plans are meant to enhance your success and promote the growth of any organization. Contact us for more information today. 

HONOLULU Car Insurance

Car or auto insurance is essential for any vehicle on the road. You never know when an accident will happen but having the right car insurance will ease your worries when you get behind the wheel. David Chen Insurance Agency Inc has been helping the car, truck, van and SUV owners of Honolulu choose the right coverage for their need for many years.  

Car insurance for your needs

David Chen Insurance Agency Inc offers a number of different types of insurance for your vehicle. There are comprehensive packages which can be tailored to your specific situation depending on the level of coverage you desire. Here is a brief overview of some of the coverage options David Chen Insurance Agency Inc provides the motorists of Honolulu. Liability Insurance: If you get into an accident with another insured car as a result of your actions then this is the insurance you need. The insurance covers the cost you would pay for property damage and medical expenses if you injure the other party. Collision coverage: Where liability insurance covers payments to the other party, collision coverage is for your vehicle. In the event the collision has rendered your car damaged beyond repair then the coverage reimburses the value of your vehicle. Comprehensive coverage: This is for when your car is damaged outside of a collision. Theft, weather damage, fire – acts of God or acts of vandalism this is the insurance that covers it. Personal Injury Protection: If you or a passenger are injured in an accident this will cover your medical expenses. Uninsured/ Underinsured Motorist Protection: Though all motorists are legally obligated to insure their vehicles not every vehicle on the road is insured. If you get into an accident with an uninsured car or a car that is not insured enough to cover the accident then this protection makes sure that you are financially secure. If you have any questions about our coverage then please feel free to contact us at 808.524.3333 

HONOLULU Homeowners Insurance

To protect your future you need to protect your present. Homeowner’s insurance is there to make sure that your home is covered in cases of theft, fire, storms and vandalism because when the unexpected happens you don’t want to be left holding the bill.  Whether you live in Honolulu or anywhere across this great country it is always good to have a safety net. Your home protects you from the elements, keeps your family warm and is the place where many of your most cherished memories are made. David Chen Insurance Agency Inc is here to help the homeowners and home buyers of Honolulu find the coverage that works with their budget and lifestyle. 

Homeowner’s insurance: what you need to know

There are a number of factors that insurance providers consider when prescribing an insurance package. First there is the age of your home. Depending on how old the components of your home are your insurance rate will be higher or lower. This is because old equipment has more potential to be hazardous. For instance, old pipes are more likely to crack and older electrical systems have a higher chance to malfunction. Another factor is the heating system you use. Forced air furnaces or electric heat pose less of a risk than oil heating but the age and condition of your tank is also important to make an assessment. Wood stoves offer many benefits to a home but also bring in potential danger such as fires and carbon monoxide poisoning so wood stoves increase coverage costs. Of course, certain areas are safer than others so where you live is also a determining factor. Insurers keep track of policies by area and if you live in an area where there are frequent claims made then your insurance will need to reflect that. 

David Chen Insurance Agency Inc : your homeowner’s insurance specialist in Honolulu

Though insurance companies have to consider many factors when insuring a home, David Chen Insurance Agency Inc knows the right questions to ask to streamline the process. If you have any questions about homeowner’s insurance or the services we provide then contact us at 808.524.3333. 

HONOLULU Life Insurance

Without a doubt, life insurance is the most important insurance to have. But there are many people in Honolulu that do not have it. It is true thinking about the end of one’s life can be uncomfortable but, when it comes down to it, life insurance is not about you but those you leave behind. Make the right choice and find a life insurance plan that is right for you.  

David Chen Insurance Agency Inc your life insurance specialist in Honolulu

'How far you go in life depends on your being tender with the young, compassionate with the aged, sympathetic with the striving and tolerant of the weak and strong. Because someday in your life you will have been all of these.'- George Washington Carver As we all know, life is full of unexpected twists and turns. Accidents happen and unforeseen events occur and the question is, 'will you be prepared for what may come?' This is the basic idea behind all insurance, whether it is auto, health, business or life insurance. For life insurance you need to know that when your time is at hand that the people you care for are secure. Their minds will be filled with many sad thoughts – figuring out how they will pay for the expenses should not be one of them. We understand these concerns and do everything within our power to find the right insurance for our clients. 

David Chen Insurance Agency Inc : life insurance made easy

Many people want life insurance but are unsure if they can afford it. This is where David Chen Insurance Agency Inc comes in. We diligently work with the people of Honolulu and their budget to get them what they are looking for. For a consultation or to answer any questions you may have please call us at 808.524.3333. 

HONOLULU Individual Health Insurance

Whether you are unemployed, self-employed, a part-time worker, or simply looking for better health insurance, everyone deserves a health care plan that addresses their needs. Here at David Chen Insurance Agency Inc , we are dedicated to working with each one of our Honolulu clients to find a plan that gives them the coverage they need at a cost they can afford.  

Why do I need health insurance?

Health care costs have risen significantly over the last several years. Most Americans would be financially devastated by any serious injury or illness. In exchange for a relatively tiny monthly premium, an insurance company guarantees that you will have the money to pay for the health care that you need without worrying about bankruptcy or financially ruining your loved ones. 

What should I consider when choosing a health plan?

Finding a health insurance plan that strikes the right balance between your needs and your ability to pay can be difficult. Here at David Chen Insurance Agency Inc , we will help guide you to find the best coverage for your situation, but there are several things to consider that will help you to understand what kind of health insurance you need. The first thing to consider is how often you anticipate using health care services – it obviously makes a big difference whether you have a condition that means you often see doctors or you just plan to use health care services in the event of an emergency. Almost as important is the amount of money in your budget you can afford to spend on healthcare. In some cases, it might make sense to have a higher deductible and lower your monthly payments. Finally, you should consider whether you are eligible for any federal tax credits or cost-sharing reductions to help pay for your costs, as these may be able to significantly improve your individual health insurance plan. We understand how complex this is, so that is why we recommend any Honolulu residents looking for individual health insurance give us a call so we can help determine the best plan for you. 

HONOLULU Renter and Condo Insurance

Many people who live in an apartment or condo mistakenly believe that the building owners’ insurance will cover them in the case of an emergency, then only find out too late that the insurance just covers the building itself, not their possessions or liability. If you live in an apartment or condo in Honolulu , you need to make sure that you have the coverage you need. That’s where David Chen Insurance Agency Inc comes in.  

What do renter insurance and condo insurance cover?

Both renter insurance and condo insurance are designed for people who live in shared buildings that contain other homes. Both policies cover the cost of replacing your personal property in the case of damage or theft. Both policies also offer liability insurance, which covers you in case you are held personally responsible for another person’s injuries or for damage to their property. Condo insurance provides one additional type of coverage, which is insurance coverage for parts of the condo building which are owned directly by you and not covered by the condo association’s property insurance. 

Are my expensive items covered?

Nearly all of your property will be covered for replacement cost, after your deductible. However, certain very valuable items, such as jewelry, heirlooms, or expensive professional equipment may not be covered by your standard policy. If you own items with a very high replacement cost, let us know. It may be advisable to add a separate insurance rider to your policy that will provide you with coverage for those items. 

Do I really need renter insurance or condo insurance?

Most people are surprised to learn the full replacement cost of all the property that they own. It may seem like you do not own very much, but when you think about replacing furniture, clothing, footwear, appliances, electronics, sporting equipment, musical instruments, and other common items, the cost rises very quickly. A few dollars per month spent on renter insurance or condo insurance can prevent a loss from becoming a financial disaster. 

HONOLULU RV, Boat / Motorcycle Insurance

The insurance specialists at David Chen Insurance Agency Inc have been providing boat, RV, and motorcycle owners in the Honolulu area with comprehensive and affordable insurance for years. As many of our satisfied customers can already attest to, David Chen Insurance Agency Inc is 100% committed to getting you the best insurance plan for your specific needs. We take the time to learn about both you and your vehicle and are consistently refining our insurance policies to find you the lowest insurance premium.  

Protect your boat with David Chen Insurance Agency Inc

While there are no federal or state laws that require your boat be insured, most marinas in the Honolulu area will require proof of insurance to moor your boat. Even if you have a private dock and years of experience on the high seas, it is always best to err on the side of caution. Don’t wait for an accident to make you realize how important it is to have your boat insured. Remember, you can’t put a price on peace of mind. 

How much does boat insurance cost?

Insurance costs depend on a number of different factors, such as the value of your boat, the type and length of your boat, and your loss and claims history. After your boat and driving history is fully assessed by one of our boat insurance specialists, we will be able to tell you which policy is best suited for you. 

Protect your RV with David Chen Insurance Agency Inc

No two RV insurance policies are the same. There are many different RV insurance packages to choose from. Before purchasing an RV insurance policy, we at David Chen Insurance Agency Inc want to make sure you are making the right decision regarding your coverage plan. The best option for you depends on a number of different factors, such as the make, model, and condition of your RV. In order to provide you with the best coverage option for your specific needs our team uses the following checklist: § Will the RV owner want coverage for the items in their RV as well? § Does the RV owner live in their RV or is it used strictly for vacation? § What is the market value of their RV? § Will the RV be driven across state borders? § What is the age and driving history of the RV owner? § Is the RV only used seasonally? Once one of our RV insurance specialists receives all the necessary information they need, they will be able to provide you the highest quality, comprehensive policy tailored specifically to fit your needs. Trust that our years of experience and our expansive knowledge regarding the many different RV insurance packages will guide you to the solution. 

Protect your motorcycle with David Chen Insurance Agency Inc

If you are an avid rider, you know the thrill and the sense of adventure that comes with riding a motorcycle. There is nothing like being out on the open road with the wind blowing through your hair. But, as you probably also know, riding a motorcycle comes with risks. We at David Chen Insurance Agency Inc realize that there is no way to predict when an accident will occur, but in the unfortunate event an accident does happen, we want to make sure we have you fully covered. As is the case with any type of insurance you buy, it is always best to meet with an insurance specialist to discuss which insurance plan is best for you. For example, if you only ride your motorcycle a few times a year you will be advised to purchase a different policy than someone who rides year-round. Likewise, living in a high-crime area will affect which insurance policy you purchase, as the risk of vandalism and theft are increased. Once one of our motorcycle insurance specialists receives all the necessary information they need, they will be able to provide you the highest quality, comprehensive policy tailored specifically to fit your needs. 

HONOLULU Umbrella Insurance

What is umbrella insurance?

Simply put, umbrella insurance is extra protection on top of your auto insurance, homeowner’s, or other insurance policies. You may be wondering why you need umbrella insurance. After all, you are already paying X amount of dollars for insurance plans and they seem adequate. We at David Chen Insurance Agency Inc understand your confusion when it comes to umbrella insurance and are happy to clear things up for you.  Your current insurance policy may only protect you for certain things at a certain level of liability. Umbrella insurance is designed to start where your other insurance policies stops. It can be a safety net against the following: § Libel § Defamation of character § Vandalism § Invasion of privacy § Injuries § Property damage § Certain lawsuits § False arrests 

Why should I get Umbrella Insurance?

If you are a commercial business owner in the Honolulu area, it is extremely important that your business has an extra layer of protection. Unforeseen events, such as someone tripping and falling on your commercial property, can wind up costing you more money than it would have if you bought umbrella insurance. Not to mention the stress and aggravation that comes with having to find a reliable lawyer and attend court dates. Residential homeowners should consider purchasing an additional amount of liability coverage as well for similar reasons. 

“Accidents happen”

Unfortunately, as you may already know, some accidents can be more costly than others, and in today’s economy, with damage claims on the rise, it is always best to err on the side of caution. When you choose to purchase umbrella insurance with David Chen Insurance Agency Inc you are choosing to protect your future assets – your children’s university funds, your retirement savings, etc.  


Contact David Chen Insurance Agency Inc today and gain the peace of mind you deserve

  If you are in the Honolulu area and have questions about insurance or would like a competitive quote, please do not hesitate to contact us at 808.524.3333. Or if you prefer visit us at China-town Cultural Plaza at 100 N Beretania St suite 102 Honolulu HI 96817. Free parking on Beretania loading zone. We will be sure to take care of all your insurance needs. Please bring your existing policy so we can explain to you the different. We open Monday to Friday 8 to 5. More often David will be open holidays and weekends


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(808) 524-3333


Monday - Friday: 9am - 5pm

Saturday: By appointment

Sunday: Closed