To answer your first question, USAA has representatives licensed to service members in all 50 states including HI. Respecting your second question, it sounds like the policy you are trying to quote requires an underlying policy to be in place first. To better understand your needs and get you taken care as quickly as possible, speaking to an insurance specialist is recommended. If you like, I can see if a representative could reach out to you before the close of business today? Would you like that?