Our Keep Lahaina Home Insurance Gap Program offers a powerful partnership between homeowners and LCLT to help rebuild Lahaina and ensure ‘ohana can afford to stay and rebuild.

Data compiled by the Hawaiʻi Insurance Division estimated that there was a nearly $300 million gap between residential losses and the amount that insurance companies actually paid out. Funded by the County of Maui and generous private donors, our program provides support to bridge those financial gaps for ‘ohana whose insurance proceeds have fallen short, making rebuilding possible for local families.

The typical financial gap for homeowners ranges around $400,000, although that shifts along with construction material prices and labor costs. If you choose to participate in this program, you’ll get the support you need to rebuild while remaining the sole owner of your home — as you join us in ensuring Lahaina stays affordable for local families for generations to come.