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Hawaii Home Insurance

Whether you are seeking Hawaii home insurance because your mortgage lender requires it or because you know you need it, we can help you understand your coverage. The most basic policy (HO-2 policy) covers damages caused by fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. Hawaii homeowners insurance also offers liability coverage for accidents that occur on the property.

When purchasing your Hawaii home insurance be sure to ask about flood coverage protection as well as Hurricane insurance. Most “acts of God” are not covered under basic Hawaii home owners insurance, so it is good to ask before you are stuck rebuilding your home on your own. Of course not every insurance company offer Hurricane Insurance, so in order to receive a policy discount it may be advisable to purchase both your Hawaii home insurance and hurricane insurance policy from the same company.

Hawaii Home Insurance Rates

In relation to other states, Hawaii home insurance can be inexpensive depending on the island where you live. As well as location, the cost of the home can determine premium rates. For most, higher costs are due to increased tropical storms and claims related to high wind damages.

For a single family HO-3 policy (the most common homeowners insurance policy) in Oahu, a homeowner would pay $329.00 annually with a $500.00 deductible. The same 30 year old frame home would cost $387.00 to insure annually by one leading Hawaii Home insurance provider. The Hawaii home insurance rates are significantly lower than other hurricane states, such as Florida.

Fee Reduction

When buying your home in Hawaii, find out what the average cost for home owners insurance is in the area. Once you determine this rate, you can purchase a home knowing the costs that will arise. To decrease your premium, you may buy multiple policies from the same company (if they offer a discount for multiple policies), including your car and hurricane insurance coverage. A homeowner can decrease their Hawaii home insurance by added security to their home, which would include a security system, deadbolts, and smoke detectors.

Hawaii Insurance Division

Mailing Address
Insurance Division
P.O. Box 3614
Honolulu, Hawaii 96811

Office Location
King Kalakaua Building
335 Merchant Street, Rm. 213
Honolulu, Hawaii 96813

Phone: (808) 586-2790 or (808) 586-2799

For other Hawaii Insurance Resources, See:

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