10-05-2009, 12:57 PM
Location: Was in Western New York but now in Hilo Hawaii
1,234 posts, read
4,592,505 times
Reputation: 454
Quote:
Originally Posted by
AlaskaKash
Also you have to remember most Insurance (Hurricane, Tornado, Fire, Earthquake, Flood) does not replace the land if something happens to your home. I would imagine with Lava insurance it would include the value of your land since you would not be able to rebuild there.
Aloha,
On a less serious note! I find this kinda funny not to replace the land .
If a hurricane blows your land away I dunno if I would rebuild?
If a fire burns you land away ? Hmm what would you do fill the hole?
If an earthquake splits your land you would have to get it surveyed to see if you really have more land? could be good
If a Tornado twists by and takes you land ?Well I guess you get to line in a ditch which means drainage could be a problem.
Now if a flood sweeps all your land away then for certain drainage will be a problem.
So If Lava flows all your land away (Dunno if that would happen it would just park on your land cool and chill) I guess you just build on top and have a better view!
Sorry just thought it funny
10-05-2009, 05:35 PM
Location: Pahoa Hawaii
2,081 posts, read
5,602,126 times
Reputation: 2820
There is no lava insurance, per se. Insurance is offered as a fire/homeowners policy and will only pay out if your home burns. If your house is not destroyed, but isolated by lava and not habitable they will NOT pay out. They will not replace the land since it still exists.
10-05-2009, 05:49 PM
Location: Pahoa Hawaii
2,081 posts, read
5,602,126 times
Reputation: 2820
Quote:
Originally Posted by
KoaKine
Aloha,
So If Lava flows all your land away (Dunno if that would happen it would just park on your land cool and chill) I guess you just build on top and have a better view!
Sorry just thought it funny
Actually that really is happening now. There is a subdivision called Kalapana Vacation Lots that is built right over Kalapana gardens, buried in 1990. There are some new houses built 50' on top of the old neighborhood. The new sub. even has the same layout & street names as the old one.
10-05-2009, 09:10 PM
Location: Big Island of Hawaii
1,375 posts, read
6,307,014 times
Reputation: 629
Quote:
Originally Posted by
leilaniguy
Actually that really is happening now. There is a subdivision called Kalapana Vacation Lots that is built right over Kalapana gardens, buried in 1990. There are some new houses built 50' on top of the old neighborhood. The new sub. even has the same layout & street names as the old one.
And lots of disclosure papework if you decide to buy there!
10-06-2009, 04:39 AM
16 posts, read
48,028 times
Reputation: 11
We also have earthquakes and Tsunami's so volcano's aren't the only consideration. Where there is volcano activity there is also VOG....you know like smog except this stuff is also filled with fine particles of glass and when it rains it is considered acid rain. We are out in the middle of the Pacific Ocean. Yes it is paradise but we have issues just like anywhere else except you can't get on a major highway and get out of the way. Preparedness is underrated meaning here you need to be prepared for just about anything. At least we don't have snakes. Oops take that back I think we finally managed to get a Phillipino snake that looks like a worm but is actually a snake, harmless. We have many beautiful things. But if you are considering buying land on BI or anywhere near a known volcano you might want to look at what you are purchasing before you buy.
04-12-2010, 04:58 PM
2 posts, read
2,302 times
Reputation: 10
I would like the name of the two companies you found that were so much cheaper. Our insurance is so high! Any relief would help. Mahalo
04-13-2010, 11:01 AM
Location: Hawaii
1,707 posts, read
7,037,364 times
Reputation: 1076
04-16-2010, 09:29 PM
2 posts, read
2,302 times
Reputation: 10
Would like the name of the two companies you found that were cheaper. Mahalo
04-16-2010, 10:48 PM
Location: Big Island- Hawaii, AK, WA where the whales are!
1,490 posts, read
4,186,341 times
Reputation: 796
I will find the one friend just went with that lowered her rate in Lava 2 over $600 with Hurricane but they freaked all out when she said she had a dog. Set up an appointment and if you have a dog hide it or take to someone else during appointment. It was a big deal to insurance company. I think it was Century but I will verify.
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Travel time to work - 60 to 89 minutes (%)
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1996 Presidential Elections Results (%) - Democratic Party (Clinton)
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Median number of rooms in houses and condos
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Density of houses
Urban houses (%)
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Average family size - White
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Geographical mobility - Same house 1 year ago (%)
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Place of birth - Born in state of residence (%)
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Housing units in structures - 1, detached (%)
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Housing units in structures - 5 to 9 (%)
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Housing units in structures - Mobile home (%)
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House/condo owner moved in on average (years ago)
Renter moved in on average (years ago)
Year householder moved into unit - Moved in 1999 to March 2000 (%)
Year householder moved into unit - Moved in 1995 to 1998 (%)
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Means of transportation to work - Drove car alone (%)
Means of transportation to work - Carpooled (%)
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Working at home (%)
Industry diversity
Most Common Industries - Agriculture, forestry, fishing and hunting, and mining (%)
Most Common Industries - Agriculture, forestry, fishing and hunting (%)
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People in Group quarters - Institutionalized population (%)
People in Group quarters - Correctional institutions (%)
People in Group quarters - Federal prisons and detention centers (%)
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People in Group quarters - Local jails and other confinement facilities (including police lockups) (%)
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People in Group quarters - Nursing homes (%)
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People in Group quarters - Military hospitals or wards for chronically ill (%)
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People in Group quarters - Schools, hospitals, or wards for the mentally retarded (%)
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People in Group quarters - Institutions for the deaf (%)
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People in Group quarters - Orthopedic wards and institutions for the physically handicapped (%)
People in Group quarters - Wards in general hospitals for patients who have no usual home elsewhere (%)
People in Group quarters - Wards in military hospitals for patients who have no usual home elsewhere (%)
People in Group quarters - Juvenile institutions (%)
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People in Group quarters - Homes for abused, dependent, and neglected children (%)
People in Group quarters - Residential treatment centers for emotionally disturbed children (%)
People in Group quarters - Training schools for juvenile delinquents (%)
People in Group quarters - Short-term care, detention or diagnostic centers for delinquent children (%)
People in Group quarters - Type of juvenile institution unknown (%)
People in Group quarters - Noninstitutionalized population (%)
People in Group quarters - College dormitories (includes college quarters off campus) (%)
People in Group quarters - Military quarters (%)
People in Group quarters - On base (%)
People in Group quarters - Barracks, unaccompanied personnel housing (UPH), (Enlisted/Officer), ;and similar group living quarters for military personnel (%)
People in Group quarters - Transient quarters for temporary residents (%)
People in Group quarters - Military ships (%)
People in Group quarters - Group homes (%)
People in Group quarters - Homes or halfway houses for drug/alcohol abuse (%)
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People in Group quarters - Religious group quarters (%)
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People in Group quarters - Agriculture workers' dormitories on farms (%)
People in Group quarters - Job Corps and vocational training facilities (%)
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People in Group quarters - Crews of maritime vessels (%)
People in Group quarters - Other nonhousehold living situations (%)
People in Group quarters - Other noninstitutional group quarters (%)
Residents speaking English at home (%)
Residents speaking English at home - Born in the United States (%)
Residents speaking English at home - Native, born elsewhere (%)
Residents speaking English at home - Foreign born (%)
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Residents speaking Spanish at home - Born in the United States (%)
Residents speaking Spanish at home - Native, born elsewhere (%)
Residents speaking Spanish at home - Foreign born (%)
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Residents speaking other language at home - Born in the United States (%)
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Residents speaking other language at home - Foreign born (%)
Class of Workers - Employee of private company (%)
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Class of Workers - Private not-for-profit wage and salary workers (%)
Class of Workers - Local government workers (%)
Class of Workers - State government workers (%)
Class of Workers - Federal government workers (%)
Class of Workers - Self-employed workers in own not incorporated business and Unpaid family workers (%)
House heating fuel used in houses and condos - Utility gas (%)
House heating fuel used in houses and condos - Bottled, tank, or LP gas (%)
House heating fuel used in houses and condos - Electricity (%)
House heating fuel used in houses and condos - Fuel oil, kerosene, etc. (%)
House heating fuel used in houses and condos - Coal or coke (%)
House heating fuel used in houses and condos - Wood (%)
House heating fuel used in houses and condos - Solar energy (%)
House heating fuel used in houses and condos - Other fuel (%)
House heating fuel used in houses and condos - No fuel used (%)
House heating fuel used in apartments - Utility gas (%)
House heating fuel used in apartments - Bottled, tank, or LP gas (%)
House heating fuel used in apartments - Electricity (%)
House heating fuel used in apartments - Fuel oil, kerosene, etc. (%)
House heating fuel used in apartments - Coal or coke (%)
House heating fuel used in apartments - Wood (%)
House heating fuel used in apartments - Solar energy (%)
House heating fuel used in apartments - Other fuel (%)
House heating fuel used in apartments - No fuel used (%)
Armed forces status - In Armed Forces (%)
Armed forces status - Civilian (%)
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Armed forces status - Civilian - Nonveteran (%)
Fatal accidents locations in years 2005-2021
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Alcohol use - People drinking some alcohol every month (%)
Alcohol use - People not drinking at all (%)
Alcohol use - Average days/month drinking alcohol
Alcohol use - Average drinks/week
Alcohol use - Average days/year people drink much
Audiometry - Average condition of hearing (%)
Audiometry - People that can hear a whisper from across a quiet room (%)
Audiometry - People that can hear normal voice from across a quiet room (%)
Audiometry - Ears ringing, roaring, buzzing (%)
Audiometry - Had a job exposure to loud noise (%)
Audiometry - Had off-work exposure to loud noise (%)
Blood Pressure & Cholesterol - Has high blood pressure (%)
Blood Pressure & Cholesterol - Checking blood pressure at home (%)
Blood Pressure & Cholesterol - Frequently checking blood cholesterol (%)
Blood Pressure & Cholesterol - Has high cholesterol level (%)
Consumer Behavior - Money monthly spent on food at supermarket/grocery store
Consumer Behavior - Money monthly spent on food at other stores
Consumer Behavior - Money monthly spent on eating out
Consumer Behavior - Money monthly spent on carryout/delivered foods
Consumer Behavior - Income spent on food at supermarket/grocery store (%)
Consumer Behavior - Income spent on food at other stores (%)
Consumer Behavior - Income spent on eating out (%)
Consumer Behavior - Income spent on carryout/delivered foods (%)
Current Health Status - General health condition (%)
Current Health Status - Blood donors (%)
Current Health Status - Has blood ever tested for HIV virus (%)
Current Health Status - Left-handed people (%)
Dermatology - People using sunscreen (%)
Diabetes - Diabetics (%)
Diabetes - Had a blood test for high blood sugar (%)
Diabetes - People taking insulin (%)
Diet Behavior & Nutrition - Diet health (%)
Diet Behavior & Nutrition - Milk product consumption (# of products/month)
Diet Behavior & Nutrition - Meals not home prepared (#/week)
Diet Behavior & Nutrition - Meals from fast food or pizza place (#/week)
Diet Behavior & Nutrition - Ready-to-eat foods (#/month)
Diet Behavior & Nutrition - Frozen meals/pizza (#/month)
Drug Use - People that ever used marijuana or hashish (%)
Drug Use - Ever used hard drugs (%)
Drug Use - Ever used any form of cocaine (%)
Drug Use - Ever used heroin (%)
Drug Use - Ever used methamphetamine (%)
Health Insurance - People covered by health insurance (%)
Kidney Conditions-Urology - Avg. # of times urinating at night
Medical Conditions - People with asthma (%)
Medical Conditions - People with anemia (%)
Medical Conditions - People with psoriasis (%)
Medical Conditions - People with overweight (%)
Medical Conditions - Elderly people having difficulties in thinking or remembering (%)
Medical Conditions - People who ever received blood transfusion (%)
Medical Conditions - People having trouble seeing even with glass/contacts (%)
Medical Conditions - People with arthritis (%)
Medical Conditions - People with gout (%)
Medical Conditions - People with congestive heart failure (%)
Medical Conditions - People with coronary heart disease (%)
Medical Conditions - People with angina pectoris (%)
Medical Conditions - People who ever had heart attack (%)
Medical Conditions - People who ever had stroke (%)
Medical Conditions - People with emphysema (%)
Medical Conditions - People with thyroid problem (%)
Medical Conditions - People with chronic bronchitis (%)
Medical Conditions - People with any liver condition (%)
Medical Conditions - People who ever had cancer or malignancy (%)
Mental Health - People who have little interest in doing things (%)
Mental Health - People feeling down, depressed, or hopeless (%)
Mental Health - People who have trouble sleeping or sleeping too much (%)
Mental Health - People feeling tired or having little energy (%)
Mental Health - People with poor appetite or overeating (%)
Mental Health - People feeling bad about themself (%)
Mental Health - People who have trouble concentrating on things (%)
Mental Health - People moving or speaking slowly or too fast (%)
Mental Health - People having thoughts they would be better off dead (%)
Oral Health - Average years since last visit a dentist
Oral Health - People embarrassed because of mouth (%)
Oral Health - People with gum disease (%)
Oral Health - General health of teeth and gums (%)
Oral Health - Average days a week using dental floss/device
Oral Health - Average days a week using mouthwash for dental problem
Oral Health - Average number of teeth
Pesticide Use - Households using pesticides to control insects (%)
Pesticide Use - Households using pesticides to kill weeds (%)
Physical Activity - People doing vigorous-intensity work activities (%)
Physical Activity - People doing moderate-intensity work activities (%)
Physical Activity - People walking or bicycling (%)
Physical Activity - People doing vigorous-intensity recreational activities (%)
Physical Activity - People doing moderate-intensity recreational activities (%)
Physical Activity - Average hours a day doing sedentary activities
Physical Activity - Average hours a day watching TV or videos
Physical Activity - Average hours a day using computer
Physical Functioning - People having limitations keeping them from working (%)
Physical Functioning - People limited in amount of work they can do (%)
Physical Functioning - People that need special equipment to walk (%)
Physical Functioning - People experiencing confusion/memory problems (%)
Physical Functioning - People requiring special healthcare equipment (%)
Prescription Medications - Average number of prescription medicines taking
Preventive Aspirin Use - Adults 40+ taking low-dose aspirin (%)
Reproductive Health - Vaginal deliveries (%)
Reproductive Health - Cesarean deliveries (%)
Reproductive Health - Deliveries resulted in a live birth (%)
Reproductive Health - Pregnancies resulted in a delivery (%)
Reproductive Health - Women breastfeeding newborns (%)
Reproductive Health - Women that had a hysterectomy (%)
Reproductive Health - Women that had both ovaries removed (%)
Reproductive Health - Women that have ever taken birth control pills (%)
Reproductive Health - Women taking birth control pills (%)
Reproductive Health - Women that have ever used Depo-Provera or injectables (%)
Reproductive Health - Women that have ever used female hormones (%)
Sexual Behavior - People 18+ that ever had sex (vaginal, anal, or oral) (%)
Sexual Behavior - Males 18+ that ever had vaginal sex with a woman (%)
Sexual Behavior - Males 18+ that ever performed oral sex on a woman (%)
Sexual Behavior - Males 18+ that ever had anal sex with a woman (%)
Sexual Behavior - Males 18+ that ever had any sex with a man (%)
Sexual Behavior - Females 18+ that ever had vaginal sex with a man (%)
Sexual Behavior - Females 18+ that ever performed oral sex on a man (%)
Sexual Behavior - Females 18+ that ever had anal sex with a man (%)
Sexual Behavior - Females 18+ that ever had any kind of sex with a woman (%)
Sexual Behavior - Average age people first had sex
Sexual Behavior - Average number of female sex partners in lifetime (males 18+)
Sexual Behavior - Average number of female vaginal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a woman (18+)
Sexual Behavior - Average number of woman performed oral sex on in lifetime (18+)
Sexual Behavior - Average number of male sex partners in lifetime (males 18+)
Sexual Behavior - Average number of male anal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a man (18+)
Sexual Behavior - Average number of male oral sex partners in lifetime (18+)
Sexual Behavior - People using protection when performing oral sex (%)
Sexual Behavior - Average number of times people have vaginal or anal sex a year
Sexual Behavior - People having sex without condom (%)
Sexual Behavior - Average number of male sex partners in lifetime (females 18+)
Sexual Behavior - Average number of male vaginal sex partners in lifetime (females 18+)
Sexual Behavior - Average number of female sex partners in lifetime (females 18+)
Sexual Behavior - Circumcised males 18+ (%)
Sleep Disorders - Average hours sleeping at night
Sleep Disorders - People that has trouble sleeping (%)
Smoking-Cigarette Use - People smoking cigarettes (%)
Taste & Smell - People 40+ having problems with smell (%)
Taste & Smell - People 40+ having problems with taste (%)
Taste & Smell - People 40+ that ever had wisdom teeth removed (%)
Taste & Smell - People 40+ that ever had tonsils teeth removed (%)
Taste & Smell - People 40+ that ever had a loss of consciousness because of a head injury (%)
Taste & Smell - People 40+ that ever had a broken nose or other serious injury to face or skull (%)
Taste & Smell - People 40+ that ever had two or more sinus infections (%)
Weight - Average height (inches)
Weight - Average weight (pounds)
Weight - Average BMI
Weight - People that are obese (%)
Weight - People that ever were obese (%)
Weight - People trying to lose weight (%)
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