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 insurance for your home 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 home insurance policy protects your home and your items from a number of calamities, including wind damage, fire, theft, vandalism, and others.

Unlike car insurance, homeowners policies aren’t priced based on state laws. That said, major differences exist in home insurance rates from state to state. Homeowners insurance rates in a given state may vary based on the value and number of home insurance claims lodged statewide, and depend on the value of the belongings and home insured on the policy.

The easiest way to get a cheap homeowners insurance policy in Hawaii is to shop around and compare rates from as many insurers as possible. Learn more about average home insurance rates in Hawaii by referencing the below tables. Your rates may vary, depending on your coverage limits.

Hawaii homeowners insurance:
  1. By company
  2. Homeowners rates by city
  3. Rates by coverage level
  4. Rates by deductible amount
  5. Bundling
  6. FAQs

Homeowners insurance rates in Hawaii by insurance company

Homeowners insurance rates in Hawaii differ based on the insurance company you choose. Allstate provides the cheapest homeowners policies in Hawaii, at just $272 annually. This compares favorably to Hawaii's average cost of $442, providing a $171 discount on rates typical to the state.

Start looking for a home insurance policy by reviewing the cheapest Hawaii insurance companies, listed below.

CarrierAverage Yearly Rate in Hawaii
Universal Insurance$322
Liberty Mutual$419
First Insurance$428
State Farm$474

Hawaii home insurance costs: by city

Not all Hawaii cities have equal homeowners insurance rates. Pricing may depend on locally specific variables such as the number of local claims filed, giving your ZIP code weight in deciding how much you pay.

The cheapest homeowners insurance in Hawaii is available in Honolulu. The average homeowners insurance policy in Honolulu runs only $425 per year — $17 less than the average policy in other Hawaii cities. The below cities have the most affordable home insurance in Hawaii.

CityAverage Yearly Home Insurance Rate
Ewa Beach$427
Royal Kunia$427
Schofield Barracks$427

Home insurance prices in Hawaii by coverage amount

How much you pay for home insurance coverage is greatly affected by the level of coverage you choose. In Hawaii, maintaining $100K dwelling coverage costs an average of $223 per year, while carrying dwelling coverage up to $400K costs $590/year.

Coverage LevelAverage Annual Premium
$100,000 Dwelling$223
$200,000 Dwelling$303
$250,000 Dwelling$370
$400,000 Dwelling$590

Compare Homeowners Insurance Rates

Homeowners insurance deductibles in Hawaii

Among the plethora of options homeowners face when shopping for homeowners insurance is how high or low to set the deductible. A deductible is the amount for which a homeowner is responsible before the insurer will cover a claim. Where you choose to set your homeowners deductible is linked to how much you will pay for insurance.

A good rule of thumb is: the lower your deductible, the higher your premium will be. As such, if you want lower insurance rates, aim for a higher deductible. Bear in mind that your homeowners deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

Below are some standard deductibles offered on most home policies alongside with related average insurance premiums.

Deductible AmountAverage Annual Home Insurance Rate

Home and auto insurance bundles in Hawaii

If you want to save, consider carrying your home and auto policies with the same insurance company. Bundling auto and home insurance in Hawaii can save you a substantial sum each month on car insurance. In fact, bundling policies in Hawaii leads to average annual savings of $62.

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

You can save money on insurance by bundling your home and auto policies. Compare rates today!

Seeking insights on homeowners insurance in a specific city?

  1. Honolulu

Hawaii homeowners 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. 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.

Compare homeowners insurance quotes side-by-side!

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.