Homeowners Insurance in Hawaii

Homeowners insurance shouldn't be complicated. Compare rates from Hawaii by city and company below.

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How to get affordable homeowners insurance in Hawaii


Home insurance is an optional — but important — product that works to keep your belongings safe in the event your home suffers damage from common incidents. A homeowners insurance policy covers your dwelling and property from a number of calamities, such as wind damage, fire, theft, vandalism, and more.

Unlike auto insurance, home insurance is not priced based on state laws. That said, major discrepancies exist in homeowners insurance costs on a state-by-state basis. Homeowners rates by state differ depending on the value of — and total number of — home policy claims filed in the state, and depend on the value of the belongings and dwelling you're insuring.

The easiest way to find a cheap homeowners insurance policy in Hawaii is to compare rates and consider policies from as many homeowners insurance companies as you can. Get an idea of homeowners insurance costs in Hawaii via the below data. Remember: your rates may differ, depending on your coverage limits.


Hawaii home insurance:
  1. By insurance company
  2. By city
  3. How to bundle home and auto insurance
  4. FAQs


Home insurance rates in Hawaii by insurance company

Homeowners insurance rates in Hawaii will vary based on the insurance company you select. Allstate sells the cheapest home insurance in Hawaii — only $272 annually. This beats the state average price of $442, offering a $171 price break on rates typical to the state.

Start shopping for cheap homeowners insurance by reviewing the most affordable Hawaii companies, listed below.


CompanyAverage Annual Rate in Hawaii
Universal Insurance$321.52
Liberty Mutual$418.90
First Insurance$427.83
State Farm$473.50


Hawaii home insurance prices by city

Home insurance rates in Hawaii vary depending on the city. Rates depend on local variables such as the likelihood of weather-related claims in the area, giving your ZIP code weight in deciding how much you pay.

The cheapest home insurance in Hawaii is found in Honolulu. An average home insurance policy in Honolulu costs $425 each year — $17 less than the average Hawaii rate. Reference the below table to see the cheapest cities in Hawaii for home insurance.


CityAverage Annual Home Insurance Rate
Ewa Beach$427.19
Royal Kunia$427.19
Schofield Barracks$427.19


Money-saving tip: bundle home and auto insurance in Hawaii

If you're trying to save on insurance, consider purchasing both your homeowners and auto insurance policies from one company. Bundling homeowners and auto insurance in Hawaii can lead to substantial savings on auto insurance. In fact, bundling policies in Hawaii may generate average annual savings of $62.


Avg. Yearly Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %


A great way to save is to bundle your home and auto insurance policies. Start shopping today!


Looking for information on home insurance in a specific city?

  1. Honolulu


Hawaii home insurance FAQs


Are homeowners insured for lava in Hawaii?

This can vary by company. If you live in a high-risk area, it's likely you will need to add lava coverage. Absolutely double check your policy to ensure you have coverage.

Is it illegal to not have home insurance in Hawaii?

Although not illegal, if you have a mortgage not carrying home insurance is a violation of your agreement. Otherwise, there is no state law regarding home insurance in Hawaii.


Home insurance and earthquakes in Hawaii

Hawaii copes with an estimated 33 earthquakes every year, which means that Hawaii residents should consider adding earthquake insurance.* This type of protection is not a regular feature in most insurance policies. Earthquake coverage comes in the form of a scheduled endorsement to your current policy, covering losses that result from land movement.

Aftershocks are another serious concern when it comes to earthquakes. An aftershock can be quite powerful, and often continue causing damage long after the initial event. Fortunately, having this coverage means that you pay only one deductible for losses that results from the initial seismic event as well as all related aftershocks that happen within a period of 72-hours.

For those who live in regions known for earthquakes, you can expect that your homeowners insurance rates will be more expensive. This is especially true in areas with the highest probability of a quake. While most typical insurance companies don’t offer earthquake coverage, options exist in seismically-active states. Companies in Hawaii sometimes offer endorsements that can cover earthquake damage. Bear in mind, deductibles for earthquakes are typically higher than for standard perils listed in your homeowners policy. In Hawaii, you can expect to pay an additional $122 per year for an earthquake insurance endorsement.

Below you can find a list of the best earthquake insurance options in Hawaii. These figures should be treated as estimates — seek out one of the companies for rates specific to your property.


CompanyAverage Annual Earthquake Insurance Rate
Ocean Harbor$385
American International$424
Liberty Mutual$439


*Source: United States Geological Survey (https://earthquake.usgs.gov/earthquakes/browse/)


Does home insurance cover flood damage in Hawaii?

Flood damage— no matter the circumstances under which it occurs —is not covered by homeowners insurance policies. To ensure your home is covered, you should buy flood coverage from a private flood insurance company or through the National Flood Insurance Program (NFIP).

Flood insurance coverage from private companies may vary, but if you buy through the NFIP you are allotted coverage for:

  • $250, 000 structural coverage
  • $100, 000 personal property coverage

If the value of your home and personal property exceed these limits, look into acquiring a policy from a private company for additional protection.

Flood insurance is especially important in Hawaii, which suffered $821, 843 in 2016 flood insurance claims, according to data from FEMA.

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