Popular Questions about Homeowners Insurance in Hawaii

On average, American homeowners pay $1,173 per year for their home insurance coverage. However, in Hawaii, the average annual premium is lower at just $1,102 a year.

Even though the price you are paying for home insurance may seem like a lot of money, having this coverage is important because hazards like severe weather events, fires, and property crimes can result in expensive losses for Hawaii homeowners who are not insured.

Your home insurance policy is designed to cover you against many of the hazards you are likely to face as a property owner in Hawaii. Whether your looking at costs related to a fire, a windstorm, or a rash of burglaries, you're covered if you have a suitable Hawaii homeowners insurance policy. 

Let’s look at the kinds of coverage your Hawaii homeowners insurance policy can provide:

  • Pay to Repair or Replace Your Home and Your Belongings
    • Example: Hurricane-force winds uproot a tree in your yard, and it falls onto your house, causing tens of thousands of dollars in damage.
  • Pay for Someone Else's Injuries or Property Damage When It's Your Fault
    • ExampleYou accidentally break your friend’s ankle during a friendly game of basketball at a local park. Your friend must take several weeks off work while recovering.
  • Pay for Temporary Living Expenses If Your Home Is Damaged
    • Example: Faulty wiring causes a fire to ignite in your home. While it is put out relatively quickly, it does cause some serious structural damage. You need to stay in a hotel until repairs can be made and your house is safe to return to.

We can’t be 100% certain, but last year alone, insurance companies paid out more than $98 million in home insurance claims in the state of Hawaii alone. That's a lot of unfortunate events happening to homeowners in the Aloha State!

Insurance companies base their home insurance rates on the value of your property and how likely it is that something bad will happen to it. The higher the probability that a damaging event will affect your home or property, the more expensive your homeowners insurance policy will be.

These potential damaging events are called "risks” or “exposures.” Let’s take a look at how risky Hawaii is compared to the rest of the United States:


The burglary rate in Hawaii is higher than the national average. Insurance companies will look at crime rates in your particular ZIP code when they are calculating how high your premiums will be.

  • Average number of burglaries per 1,000 homes in the US: 4.69
  • Average number of burglaries per 1,000 homes in HI:  3.96

Several insurance companies offer policy discounts to homeowners who have burglar alarms, deadbolt locks, and other security features installed in their homes. Talk to a local independent agent to learn whether you qualify for this or any other discount.


Severe weather events, including hurricanes and severe storms, can wreak havoc on residential properties in this state. Be sure that your home insurance provides all the coverage you need before disaster strikes.

  • Number of federally declared disasters since 1953: 58
  • Most common causes of disasters in the state: Wildfires, floods, and severe storms
  • Average number of tornados per year in the state: 1.0
  • Amount paid in home insurance claims in 2019: $98,432,000

Hawaii property owners have some risks that may require specialized insurance policies or riders on their home insurance coverage. These include volcanic eruptions, lava flows, earthquakes, mudslides, tsunamis, and floods. A local independent insurance agent can help you be sure you have all the coverage you need.

Home Values:

The size of your house can affect your homeowners insurance rates, since larger homes tend to have more personal property inside them. The estimated cost to rebuild your house will also play a large role in how much your home insurance costs.

  • Average home value in the US: $188,900
  • Average home value in HI: $617,400

Although the average home value in Hawaii is much higher than the national average, these houses tend to cost a lot more per square foot. This means that these houses tend to have lower contents coverage needs than their value might otherwise indicate, and it helps to keep insurance costs affordable for many residents.

No single insurance company can be considered “best” for everyone.

That is why independent agents compare policies and rates from multiple competing insurers. That way, they are able to find the policy that is best able to meet your coverage and budgetary needs.

Yes! There are currently 34 independent insurance agents in Hawaii who are ready to help.

Independent insurance agents work for you, not for a particular insurance company. This means they are free to work with several different insurance providers to find you the best rate for coverage. Contact an independent insurance agent near you for help obtaining a comprehensive, yet competitively priced, homeowners insurance policy.

How does home insurance work?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 4.69 per 1,000 homes

National average home value $188,900

National average home insurance cost $1,173 year

CityAvg. home valueAnnual insurance cost
East Honolulu$975,000$1,318
Ewa Gentry$609,766$921
Mililani Mauka$716,257$1,297
Mililani Town$712,761$1,264
Pearl City$780,817$1,275
Urban Honolulu$695,375$1,318
  1. $123
  2. Honolulu, HI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Honolulu is $123.
  4. Homeowners insurance rates in can vary from one property owner to the next. Your actual rate will be based on factors like the size, value, and location of your home; the materials used in your house’s construction; and the crime rate and weather risks in the ZIP code in which your property is located.
  5. One of the most common hazards faced by homeowners in Honolulu is property crimes. With more than 3,500 burglaries reported in 2018 alone, this city has one of the highest burglary rates in the state. Fortunately, your homeowners insurance covers against property loss and damage to your home if you are the victim of a property crime.
  6. Your local independent insurance agent can provide you with assistance throughout the claims process, if needed. 

  1. $106
  2. Pearl City, HI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Pearl City is $106.
  4. Because your homeowners insurance is completely customized to details about you and your house, your actual monthly premium may be higher or lower than this average rate. Insurance companies consider your home’s size, value, location, and other factors when they calculate your costs. 
  5. Severe storms in Pearl City have been known to cause significant damage to area homes. In September 1992, Hurricane Iniki struck the island of Kaua’i before making its way to O’ahu, where Pearl City and other locations were hammered by the storm. In the end, this hurricane caused several million dollars in property damage on the island. Bear in mind that while homeowners insurance covers against hurricanes, it does not cover the flood damage that often accompanies these storms. For that, you will need to have a supplementary flood insurance policy.
  6. Contact an independent insurance agent near you for help finding an affordable flood insurance policy to go along with your homeowners insurance coverage.

  1. $72
  2. Hilo, HI Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Hilo is $72.
  4. Your house is not the same as every other house in your neighborhood. While you and your neighbors may face the same crime and weather risks, your homeowners insurance premium is also based on factors like the size, age, and value of your home, the age of your roof, and your claims history. Your quoted rate for Hilo homeowners insurance may therefore be higher or lower than this average.
  5. This city is at risk for a number of serious disasters. While some, like tropical storms, hurricanes, volcanic eruptions, and lava flow, are covered by most homeowners insurance policies, others, like floods, earthquakes, mudslides, and tsunamis, are not. A local independent insurance agent will be aware of the various risks you face and can ensure that you have the right supplementary insurance policies to be covered against all of them.  
  6. Set up a one-on-one consultation with an independent insurance agent in Hilo to learn more.

  1. $75
  2. Kailua, HI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Kailua is $75.
  4. Of course, what you may be actually asked to pay is likely to differ from this amount because costs are based on specific details about your property. Your rate will be calculated according to factors like the size and age of your house, the materials used in its construction, the crime rate and weather risks in your ZIP code, and your claims history. 
  5. Hailstorms can pose a quite problem in Kailua. Hailstones that exceed one inch in diameter can do serious damage to roofs, siding, windows, and peripheral structures. In March 2012, a supercell thunderstorm brought the largest hailstones ever recorded in this city. Stones up to 3 inches in diameter pummeled Kailua and surrounding areas, causing widespread damage to area homes. Fortunately, homeowners insurance covered this damage. 
  6. For help finding a home insurance policy that can suitably cover your property at a reasonable price, contact an independent insurance agent near you.

  1. $105
  2. Waipahu, HI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Waipahu is $105.
  4. Of course, not all Waipahu homeowners will pay the same for their home insurance. Your monthly rate is based on the crime and weather risks in your ZIP code, the age, size and value of your home, the building materials used in your house’s construction, your claims history, and more.
  5. One of the most devastating things a homeowner can experience is a house fire. In addition to damaging the structure of your house, a fire can result in the total loss of your personal belongings, including furniture, clothes, electronics, and precious keepsakes. Homeowners insurance can’t bring back your irreplaceable property, but it can give you peace of mind through financial compensation. You will want to be sure that your dwelling and contents insurance amounts are high enough to fully cover against a total loss.
  6. An independent insurance agent in Waipahu can help you review your coverage levels to ensure that they are sufficient.