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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.
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.
|Carrier||Average Yearly Rate in Hawaii|
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.
|City||Average Yearly Home Insurance Rate|
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 Level||Average Annual Premium|
Compare Homeowners Insurance Rates
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 Amount||Average Annual Home Insurance Rate|
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 Savings||Bundle 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?
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.
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.
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.
|Company||Average Annual Earthquake Insurance Rate|
*Source: United States Geological Survey (https://earthquake.usgs.gov/earthquakes/browse/)
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:
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.