[caption id="attachment_135957" align="alignleft" width="616"] Aerial view of Oahu, Hawaii homes in a valley between mountains. (Photo: Shutterstock)[/caption] Hurricane Lane, a rare, slow-moving tropical cyclone in the region, is pounding parts of Hawaii with torrential rain and is producing extensive flooding and landslides over much of the island chain. Residents can expect to experience battering surf, coastal flooding and high winds through Saturday, according to The Weather Channel. What does this mean for homeowners on the islands and their insurers? In Hawaii, most homeowner insurance policies provide coverage for almost all standard perils (e.g., fire, explosion) and liability but exclude hurricanes, reports the Insurance Information Institute. The trigger for what constitutes a hurricane varies from insurer to insurer, and may depend on variables such as where, and whether, the hurricane makes landfall as well as declarations made by the National Weather Service. According to National Association of Insurance Commissioners (NAIC) data, sourced from S&P Global Market Intelligence and the Insurance Information Institute, below are the top 10 writers of homeowners' insurance in Hawaii (by direct premiums written in 2017):