The MFP’s Community Home Insurance Survey uses Hawaii’s homeowners opinions and recommendations for home insurers, agents, and brokers they use. We display premiums by home values and deductibles in the state and its main cities.
Shopping for home insurance is not always easy and we gathered this data to help your choice.
Updated: January 8, 2026
<< Human Powered Recommendations from Hawaii’s Own Homeowners >>
- Hawaii Best Home Insurance Companies
- Best Home Insurance by City: Cost, Deductible & Rating
- Main Home Insurance Cost Factors in Hawaii
- Best Home Insurance Discounts in Hawaii
- How to Find the Best Cheap Home Insurance in Hawaii
- 5 Ways to Reduce Your Home Insurance Cost
- What Does Home Insurance Cover in Hawaii?
- Extra Coverage Options in Hawaii
- FAQ: Home Insurance in Hawaii
Hawaii Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in Hawaii are State Farm, USAA, and Allstate.
| Insurer | Coverage | Customer Experience | Cost | Ease of Use | Recommend % |
|---|---|---|---|---|---|
| State Farm | 4.5 | 4.7 | 4.0 | 4.5 | 85% |
| USAA | 4.0 | 4.9 | 4.5 | 4.0 | 90% |
| Allstate | 4.7 | 4.3 | 4.2 | 4.3 | 82% |
| Island Insurance | 4.0 | 4.5 | 3.8 | 4.0 | 80% |
| Chubb | 4.8 | 4.6 | 3.5 | 3.0 | 78% |
| DB Insurance | 3.5 | 4.0 | 4.5 | 4.0 | 75% |
| RLI | 3.8 | 4.2 | 4.0 | 4.0 | 77% |
| First Insurance Company of Hawaii | 3.5 | 4.1 | 3.5 | 3.8 | 76% |
| Hawaiian Insurance and Guaranty Company | 3.0 | 3.8 | 3.0 | 3.5 | 70% |
| Liberty Mutual | 4.0 | 4.0 | 4.0 | 4.0 | 75% |
Hawaii average home insurance for a $1,000 deductible:
- Hawaii average premiums for a $300K Home is $1,078 (while it’s $1,568 nationally).
- Hawaii average premiums for a $400K Home is $1,324. It’s $2,088 nationally.
- Hawaii average premiums for a $600K Home is $1,823 (and it’s $2,906 nationally).
Best Insurance in Hawaii cities
Honolulu, East Honolulu, Pearl City, Hilo, Kaneohe, Waipahu, Mililani Town, Kahului
Recommendations are gathered from 2,811 local Hawaiian members who got a quote(s), filed a claim or got new home insurance in the past 12 months. We survey cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for Hawaii Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
Hawaii Best Mortgage Lenders from Community Recommendations
Hawaii Best Refinance Lenders from Community Recommendations
More Resources for Hawaii Homeowners.
Honolulu Home Insurance Cost
Compare Honolulu 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Honolulu, the average annual insurance cost for a $300K home with a $500 deductible is $1,253. Choosing a $2,000 deductible instead of $500 can lower annual cost by 44.1% in Honolulu for a $300K home.
Honolulu’s $600K home insurance cost is 4.7% lower than the Hawaii average of $2,111. The Honolulu average annual cost for a $600K home with a $500 deductible is $2,011.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $428 | $352 | $309 | $239 | $118 |
| $200K Home | $786 | $646 | $567 | $439 | $216 |
| $300K Home | $1,253 | $1,030 | $904 | $700 | $344 |
| $400K Home | $1,506 | $1,238 | $1,087 | $841 | $413 |
| $600K Home | $2,011 | $1,653 | $1,451 | $1,123 | $552 |
Honolulu Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Honolulu’s area are First Insurance Company of Hawaii, State Farm, and Liberty Mutual.
- First Insurance Company of Hawaii (92%): Homeowners highlight exceptional hurricane coverage options and local agent expertise
- State Farm (88%): Members praise the personalized service and quick claims processing
- Liberty Mutual (85%): Users appreciate the user-friendly digital tools and multiple discount options
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| First Insurance Company of Hawaii | Insurer | 4.5 | 4.5 | 4 | 3.5 | 92% |
| State Farm | Agents | 4 | 4.5 | 4.5 | 4 | 88% |
| Liberty Mutual | Insurer | 4 | 4 | 4.5 | 4 | 85% |
| Hawaiian Insurance and Guaranty Company | Insurer | 4.5 | 4 | 3.5 | 4.5 | 83% |
| DTRIC Insurance | Insurer | 4 | 4 | 4 | 4 | 82% |
| Brashears & Newendorp Insurance | Broker | 4 | 4.5 | 3.5 | 3.5 | 80% |
| Adams & Associates | Broker | 3.5 | 4 | 4 | 4 | 78% |
| Zephyr Insurance | Broker | 4.5 | 3.5 | 3.5 | 3 | 75% |
| Carrs Insurance Agency | Broker | 3.5 | 4 | 3.5 | 4 | 74% |
| Mutual Underwriters | Broker | 3.5 | 3.5 | 4 | 4 | 72% |
See also:
Honolulu Best Refinance Lenders
Honolulu Best Home Loan Lenders
East Honolulu Home Insurance Cost
Compare East Honolulu 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In East Honolulu, the average annual insurance cost for a $300K home with a $500 deductible is $1,284. Choosing a $2,000 deductible instead of $500 can lower annual cost by 41.0% in East Honolulu for a $300K home.
East Honolulu’s $600K home insurance cost is 2.4% lower than the Hawaii average of $2,111. The East Honolulu average annual cost for a $600K home with a $500 deductible is $2,060.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $417 | $362 | $318 | $246 | $121 |
| $200K Home | $765 | $665 | $584 | $453 | $222 |
| $300K Home | $1,280 | $1,112 | $976 | $757 | $372 |
| $400K Home | $1,522 | $1,322 | $1,160 | $900 | $442 |
| $600K Home | $2,026 | $1,760 | $1,545 | $1,198 | $589 |
East Honoluly Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in East Honolulu’s area are State Farm, First Insurance Company of Hawaii, and Liberty Mutual.
- State Farm (89%): Homeowners value the local agent knowledge and comprehensive coverage options
- First Insurance Company of Hawaii (86%): Members report excellent customer service during claims
- Liberty Mutual (83%): Users appreciate the easy-to-use mobile app and multiple policy discounts
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4 | 4.5 | 4 | 4 | 89% |
| First Insurance Company of Hawaii | Insurer | 4.5 | 4 | 3.5 | 4 | 86% |
| Liberty Mutual | Insurer | 4 | 4 | 4.5 | 4 | 83% |
| DTRIC Insurance | Insurer | 4 | 4 | 4 | 4 | 80% |
| Brashears & Newendorp Insurance | Broker | 4 | 4 | 3.5 | 3.5 | 78% |
See also:
East Honolulu Best Refinance Lenders
East Honolulu Best Home Loan Lenders
Pearl City Home Insurance Cost
Compare Pearl City 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Pearl City, the average annual insurance cost for a $300K home with a $500 deductible is $1,280. Choosing a $2,000 deductible instead of $500 can lower annual cost by 40.9% in Pearl City for a $300K home.
Pearl City’s $600K home insurance cost is 4.0% lower than the Hawaii average of $2,111. The Pearl City average annual cost for a $600K home with a $500 deductible is $2,026.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $417 | $362 | $318 | $246 | $121 |
| $200K Home | $765 | $665 | $584 | $453 | $222 |
| $300K Home | $1,280 | $1,112 | $976 | $757 | $372 |
| $400K Home | $1,522 | $1,322 | $1,160 | $900 | $442 |
| $600K Home | $2,026 | $1,760 | $1,545 | $1,198 | $589 |
Pearl City Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Pearl City’s area are Liberty Mutual, State Farm, and First Insurance Company of Hawaii.
- Liberty Mutual (87%): Members highlight the responsive claims service and bundling options
- State Farm (85%): Homeowners appreciate the local agent availability and policy customization
- First Insurance Company of Hawaii (82%): Users report competitive rates for comprehensive coverage
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Liberty Mutual | Insurer | 4 | 4.5 | 4.5 | 4 | 87% |
| State Farm | Agents | 4 | 4.5 | 4 | 4 | 85% |
| First Insurance Company of Hawaii | Insurer | 4.5 | 4 | 3.5 | 4 | 82% |
| DTRIC Insurance | Insurer | 4 | 4 | 4 | 4 | 80% |
| Adams & Associates | Broker | 3.5 | 4 | 4 | 4 | 77% |
See also:
Pearl City Best Refinance Lenders
Pearl City Best Home Loan Lenders
Hilo Home Insurance Cost
Compare Hilo 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Hilo, the average annual insurance cost for a $300K home with a $500 deductible is $1,048. Choosing a $2,000 deductible instead of $500 can lower annual cost by 42.5% in Hilo for a $300K home.
Hilo’s $600K home insurance cost is 26.0% higher than the Hawaii average of $2,111. The Hilo average annual cost for a $600K home with a $500 deductible is $2,660.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $312 | $271 | $236 | $179 | $88 |
| $200K Home | $522 | $454 | $396 | $301 | $147 |
| $300K Home | $1,048 | $911 | $794 | $603 | $295 |
| $400K Home | $1,596 | $1,387 | $1,209 | $918 | $449 |
| $600K Home | $2,660 | $2,312 | $2,015 | $1,530 | $749 |
Hilo Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Hilo’s area are State Farm, First Insurance Company of Hawaii, and Liberty Mutual.
- State Farm (90%): Homeowners value the local expertise in volcanic risk coverage
- First Insurance Company of Hawaii (86%): Members report excellent flood insurance options
- Liberty Mutual (83%): Users appreciate the straightforward claims process
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 90% |
| First Insurance Company of Hawaii | Insurer | 4.5 | 4 | 3.5 | 4 | 86% |
| Liberty Mutual | Insurer | 4 | 4 | 4.5 | 4 | 83% |
| DTRIC Insurance | Insurer | 4 | 4 | 4 | 4 | 81% |
| Paradise Insurance LLC | Broker | 4 | 4 | 3.5 | 4 | 79% |
See also:
Kaneohe Home Insurance Cost
Compare Kaneohe 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Kaneohe, the average annual insurance cost for a $300K home with a $500 deductible is $1,280. Choosing a $2,000 deductible instead of $500 can lower annual cost by 40.9% in Kaneohe for a $300K home.
Kaneohe’s $600K home insurance cost is 3.4% lower than the Hawaii average of $2,111. The Kaneohe average annual cost for a $600K home with a $500 deductible is $2,040.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $414 | $360 | $316 | $245 | $120 |
| $200K Home | $763 | $663 | $582 | $451 | $222 |
| $300K Home | $1,280 | $1,112 | $976 | $757 | $372 |
| $400K Home | $1,529 | $1,328 | $1,166 | $904 | $444 |
| $600K Home | $2,040 | $1,772 | $1,555 | $1,206 | $593 |
Kaneohe Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Kaneohe’s area are First Insurance Company of Hawaii, State Farm, and Liberty Mutual.
- First Insurance Company of Hawaii (88%): Members highlight specialized windstorm coverage options
- State Farm (85%): Homeowners appreciate the local agent knowledge of area risks
- Liberty Mutual (82%): Users report satisfaction with online policy management
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| First Insurance Company of Hawaii | Insurer | 4.5 | 4.5 | 4 | 4 | 88% |
| State Farm | Agents | 4 | 4.5 | 4 | 4 | 85% |
| Liberty Mutual | Insurer | 4 | 4 | 4.5 | 4 | 82% |
| DTRIC Insurance | Insurer | 4 | 4 | 4 | 4 | 80% |
| Brashears & Newendorp Insurance | Broker | 4 | 4 | 3.5 | 3.5 | 77% |
See also:
Kāneohe Best Refinance Lenders
Kāneohe Best Home Loan Lenders
Waipahu Home Insurance Cost
Compare Waipahu 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Waipahu, the average annual insurance cost for a $300K home with a $500 deductible is $1,279. Choosing a $2,000 deductible instead of $500 can lower annual cost by 40.8% in Waipahu for a $300K home.
Waipahu’s $600K home insurance cost is 3.6% lower than the Hawaii average of $2,111. The Waipahu average annual cost for a $600K home with a $500 deductible is $2,034.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $412 | $358 | $314 | $244 | $120 |
| $200K Home | $758 | $659 | $578 | $449 | $220 |
| $300K Home | $1,279 | $1,112 | $976 | $757 | $372 |
| $400K Home | $1,524 | $1,325 | $1,163 | $902 | $443 |
| $600K Home | $2,034 | $1,768 | $1,552 | $1,204 | $591 |
Waipahu Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Waipahu’s area are State Farm, Liberty Mutual, and First Insurance Company of Hawaii.
- State Farm (87%): Homeowners value the personalized service and local presence
- Liberty Mutual (84%): Members appreciate the multiple discount options
- First Insurance Company of Hawaii (81%): Users report satisfaction with claims handling
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4 | 4.5 | 4 | 4 | 87% |
| Liberty Mutual | Insurer | 4 | 4 | 4.5 | 4 | 84% |
| First Insurance Company of Hawaii | Insurer | 4.5 | 4 | 3.5 | 4 | 81% |
| DTRIC Insurance | Insurer | 4 | 4 | 4 | 4 | 79% |
| Adams & Associates | Broker | 3.5 | 4 | 4 | 4 | 76% |
See also:
Waipahu Best Refinance Lenders
Waipahu Best Home Loan Lenders
Mililani Town Home Insurance Cost
Compare Mililani Town 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Mililani Town average annual cost for a $300K home with a $500 deductible is $1,284. Choosing a $2,000 deductible instead of $500 can lower annual cost by 40.7% in Mililani Town for a $300K home.
Mililani Town’s $600K home insurance cost is 3.3% lower than the Hawaii average of $2,111. The Mililani Town average annual cost for a $600K home with a $500 deductible is $2,042.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $419 | $365 | $320 | $248 | $122 |
| $200K Home | $769 | $670 | $587 | $456 | $224 |
| $300K Home | $1,284 | $1,119 | $981 | $761 | $374 |
| $400K Home | $1,531 | $1,334 | $1,169 | $907 | $446 |
| $600K Home | $2,042 | $1,780 | $1,560 | $1,211 | $595 |
Mililani Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Mililani Town’s area are Liberty Mutual, State Farm, and First Insurance Company of Hawaii.
- Liberty Mutual (86%): Members highlight the easy online account management
- State Farm (84%): Homeowners appreciate the local agent knowledge
- First Insurance Company of Hawaii (80%): Users report satisfaction with coverage options
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Liberty Mutual | Insurer | 4 | 4 | 4.5 | 4 | 86% |
| State Farm | Agents | 4 | 4.5 | 4 | 4 | 84% |
| First Insurance Company of Hawaii | Insurer | 4.5 | 4 | 3.5 | 4 | 80% |
| DTRIC Insurance | Insurer | 4 | 4 | 4 | 4 | 78% |
| Brashears & Newendorp Insurance | Broker | 4 | 4 | 3.5 | 3.5 | 75% |
See also:
Mililani Town Best Refinance Lenders
Mililani Town Best Home Loan Lenders
Kahului Home Insurance Cost
Compare Kahului 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Kahului, the average annual insurance cost for a $300K home with a $500 deductible is $1,279. Choosing a $2,000 deductible instead of $500 can lower annual cost by 40.8% in Kahului for a $300K home.
Kahului’s $600K home insurance cost is 4.5% lower than the Hawaii average of $2,111. The Kahului average annual cost for a $600K home with a $500 deductible is $2,015.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $406 | $353 | $310 | $240 | $118 |
| $200K Home | $745 | $648 | $569 | $441 | $217 |
| $300K Home | $1,279 | $1,112 | $976 | $757 | $372 |
| $400K Home | $1,515 | $1,317 | $1,156 | $897 | $441 |
| $600K Home | $2,015 | $1,752 | $1,538 | $1,193 | $586 |
Kahului Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Kahului’s area are State Farm, First Insurance Company of Hawaii, and Liberty Mutual.
- State Farm (88%): Homeowners value the hurricane coverage expertise
- First Insurance Company of Hawaii (85%): Members report excellent claims service
- Liberty Mutual (82%): Users appreciate the multiple policy discounts
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 88% |
| First Insurance Company of Hawaii | Insurer | 4.5 | 4 | 3.5 | 4 | 85% |
| Liberty Mutual | Insurer | 4 | 4 | 4.5 | 4 | 82% |
| DTRIC Insurance | Insurer | 4 | 4 | 4 | 4 | 80% |
| Paradise Insurance LLC | Broker | 4 | 4 | 3.5 | 4 | 77% |
See also:
Kahului Best Refinance Lenders
Kahului Best Home Loan Lenders
Biggest Home Insurance Cost Factors in Hawaii
Weather Risks
Hawaii’s unique tropical climate plays a major role in home insurance costs. The state is prone to hurricanes, tropical storms, heavy rain, and flooding, especially on certain islands and coastal areas. These weather risks increase the likelihood of damage, pushing premiums higher compared to many mainland states. Wind damage from hurricanes is one of the primary causes of costly claims in Hawaii, so insurers factor in these risks extensively when pricing policies.
Home Construction Age
Older homes in Hawaii often face higher insurance costs due to increased risk of structural issues, outdated electrical and plumbing systems, and non-compliance with modern building codes designed for hurricane resistance. Newer homes typically benefit from improved materials and construction techniques that mitigate damage risk, resulting in lower premiums.
| Home Age | Typical Cost Change |
|---|---|
| 0–5 years | 15% to 25% less |
| 6–10 years | 10% to 15% less |
| 11–20 years | 0% |
| 21–30 years | 10% to 20% more |
| 31–40 years | 25% to 40% more |
| 41–60 years | 45% to 65% more |
| 60+ years | 70% to 100% more |
In Hawaii, this typical ratio reflects how insurance premiums increase with the age of the home, especially for houses built before modern hurricane-resistant codes were adopted. Homes older than 30 years may face higher premiums due to the increased risk of storm damage and the cost of repairs in Hawaii’s island environment, where construction materials and labor can be more expensive.
Credit Score Impact
Credit score is a significant factor influencing home insurance premiums in Hawaii. Insurers use credit-based insurance scores to assess risk, with lower scores typically leading to higher premiums.
| Credit Score | Typical Cost Change |
|---|---|
| Excellent | 0% |
| Good | 15% to 25% more |
| Average | 40% to 60% more |
| Poor | 100% to 150% more |
In Hawaii, the impact of credit score on insurance costs is pronounced due to the state’s higher average claim costs. Maintaining a good credit score can significantly reduce premiums.
Location Within Hawaii
Location is crucial when determining home insurance costs in Hawaii. Properties in coastal areas or flood zones tend to have higher premiums due to increased risks from hurricanes, flooding, and erosion. For example, homes in Honolulu or Hilo may have different rates reflecting local weather patterns and risk zones. Additionally, the proximity to fire stations and availability of local infrastructure can affect premiums.
Best Home Insurance Discounts in Hawaii
Hawaii homeowners can often benefit from these common insurance discounts:
- Multi-Policy Discount: Bundling home and auto insurance with the same insurer often leads to cost savings.
- Home Security Systems: Installing burglar alarms, smoke detectors, or monitored security systems can lower premiums.
- Updated Construction: Discounts for homes built or renovated with hurricane-resistant materials and impact-resistant windows.
- Claims-Free Discount: Maintaining a history without claims may qualify for lower rates.
- Payment Discounts: Paying annually or setting up automatic payments can sometimes reduce the premium.
How to Find the Best Cheap Home Insurance in Hawaii?
To find the cheapest home insurance in Hawaii, homeowners should compare quotes from multiple insurers, focusing on companies with strong reputations for service and local expertise. Look for discounts and consider bundling policies. However, remember that the cheapest option may not always provide adequate coverage or customer support, especially given Hawaii’s unique weather risks. Prioritize insurers with strong financial stability and claims handling records to avoid surprises when you need coverage most.
6 Ways to Reduce Your Home Insurance Cost in Hawaii
- Increase your deductible to lower your premium but ensure you can afford out-of-pocket costs in a claim.
- Bundle your home and auto insurance policies with the same company to receive multi-policy discounts.
- Install security devices such as alarms, smoke detectors, or impact-resistant windows.
- Maintain a good credit score to qualify for lower rates.
- Keep your home well-maintained and up-to-code, especially for hurricane resistance.
- Shop around annually to compare rates and coverage options.
What Does Home Insurance Cover in Hawaii?
Standard home insurance policies in Hawaii typically cover dwelling protection against perils like fire, windstorm, hail, lightning, and theft. They also provide liability coverage if someone is injured on your property and protection for personal belongings. Given Hawaii’s risk profile, wind and hurricane damage coverage are critical components, although separate hurricane deductibles may apply.
Extra Coverage Options in Hawaii and When to Get Them
Hawaii homeowners can consider additional coverage such as:
- Flood Insurance: Since standard policies usually exclude flood damage, flood insurance is essential for homes in flood-prone areas.
- Earthquake Insurance: Hawaii’s volcanic activity means earthquake coverage can be critical, though often sold as separate policies.
- Windstorm/Hurricane Riders: To cover high deductibles or gaps in wind damage coverage.
- Building Code Upgrade Coverage: Helps cover costs to bring a damaged home up to current building codes after a loss.
Consider these extras if you live in high-risk zones or have an older home requiring upgrades.
FAQ: Home Insurance in Hawaii
How much does home insurance cost in Hawaii compared to the national average?
Home insurance in Hawaii is typically more expensive than the national average due to weather risks, high construction costs, and island-specific factors.
Does homeowners insurance in Hawaii cover hurricane damage?
Most policies cover hurricane damage but may have separate hurricane deductibles. It’s important to verify your specific coverage details.
Is flood insurance included in standard home insurance policies?
No, flood damage is not covered by standard policies. Homeowners in flood-prone areas should purchase separate flood insurance.
How can I lower my home insurance premiums in Hawaii?
Maintaining a good credit score, installing safety devices, bundling policies, and choosing higher deductibles are effective ways to reduce premiums.
Are older homes more expensive to insure in Hawaii?
Yes, older homes generally cost more to insure due to greater risk of damage and higher repair costs, especially if not upgraded to modern codes.