Laulima Exchange was created to address the unique needs of Hawaii’s homeowners.

Founded to support local policyholders who seek to improve the resilience of their community against the risk of a hurricane, Laulima Exchange is owned by its member policyholders.

By partnering with PUEO, Laulima Exchange has access to a team with longstanding experience in serving the unique Hawaii market.

Member Focused

As a reciprocal exchange, we are customer-centric by design. You are more than just a policyholder, you are a member of a community of like-minded individuals.


Our policies are available to owners of homes, rental dwellings and condo units, and offer broad coverages, generous limits, and several deductible options.


We are rated A, Exceptional for financial strength by Demotech, Inc. This means we have the financial resources to support our members in the face of a catastrophe.