Honolulu Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Honolulu


A critical consideration for every homeowner should be home insurance. Fire, vandalism, theft, and wind damage are just some of the perils for which homeowners insurance can protect your dwelling and other personal belongings. Incidents like this occur often. When paired with the high cost of repairing or rebuilding a house, investing in a far-reaching homeowners policy can seem like a smart idea.

The price of a homeowners insurance policy factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. The location of your home can also play a large role in home much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Discover more information about what is covered by a homeowners insurance policy.

If you want to find cheap home insurance in Honolulu, start with shopping around and comparing policies. Have a look at the summary below comparing average homeowners insurance rates in Honolulu to begin your home insurance search with as much info as possible. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Honolulu, Hawaii, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Honolulu by insurance company

Honolulu homeowners insurance rates will vary depending on which insurance company you choose. Allstate offers the most affordable home insurance in Honolulu, at just $272 per year. This compares favorably to the city’s average homeowners premium of $425.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Honolulu, Hawaii.


CHEAP HOME INSURANCE COMPANIES IN HONOLULU
CompanyAverage Annual Rate
Allstate$272
Liberty$412
State Farm$445

Average homeowners insurance costs in Honolulu by coverage level

How much you pay for home insurance coverage is greatly impacted by the level of coverage you choose. In Honolulu, carrying $200K dwelling coverage costs an average of $295, while carrying additional coverage up to $400K costs $555 per year.


HOMEOWNERS INSURANCE RATES IN HONOLULU — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$295
$400K Dwelling$555

Speak with a homeowners insurance expert

Honolulu home insurance rates by ZIP code

Not every area of Honolulu has equal home insurance costs. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, the location of your house can drastically affect your home insurance premium.

If you're looking for the cheapest homeowners insurance premiums in Honolulu, take at look at the 96813 ZIP code. In the 96813 area, homeowners coverage usually costs just $425 a year, which isa full $0 less than the overall average for Honolulu. Find the best places to live in Honolulu for cheap home insurance by looking at the following table.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN HONOLULU
ZIP CodeAverage Annual Home Insurance Rate
96813$425
96814$425
96815$425

Other areas of Honolulu, however, face homeowners rates that are higher than the city average . These areas of the city could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. An average annual rate of $425 makes 96813 the most expensive ZIP code in Honolulu for home insurance.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN HONOLULU
ZIP CodeAverage Annual Home Insurance Rate
96813$425
96814$425
96815$425

Money-saving tip for home and auto insurance in Honolulu: bundling

To save a little money, you might think about bundling your homeowners and auto insurance policies through the same company. Bundling home and auto insurance can be a good money-saving option. By bundling your policies, Honolulu homeowners could see annual savings of 7% on average.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN HONOLULU
CompanyAvg. Annual Auto Insurance Rate (Bundle)
State Farm$816
USAA$884
Allstate$996
Farmers$1,520
State Farm$600

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money. To speak with an insurance expert, call 855-493-9728 today.


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