Popular Questions about Homeowners Insurance in Hawaii

The national average cost of homeowners insurance is $1,211 annually, which is pretty much in line with Hawaii's average at $1,102 per year. Your home insurance rate may vary due to certain risk exposures.

 Hawaii has markets like Progressive, Prime, and Stillwater insurance companies that are commonly used. These are the top-rated carriers for homeowners insurance due to fast service and low premiums.

In Hawaii, there are risks that could take place that cause damage to your property. The most reported homeowners insurance losses in Hawaii are:

  • Wildfires and residential fires
  • Flooding and water damage
  • Severe storms and lightning damage
  • Earthquakes and tremors
  • Burglary and other property crimes

Your homeowners insurance rates are based on a variety of factors. Everything from local crime and natural disasters to past claims reported are used to determine your home insurance costs. In Hawaii, the burglary rate per 1,000 people is 3.96, which can impact your premiums as well. 

In Hawaii, home insurance has standard limits that automatically come with each policy. Dwelling value, personal property, other structures, medical payments, liability, and additional living expenses are all set to your specifics. Coverages will protect against damage from fire, theft, vandalism, and natural disasters.

Yes, Hawaii currently has 34 independent insurance agencies in existence. Independent agents will work with numerous companies so that you have options on policy and rate.

Do You Know What Your Hawaii Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 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: $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 one year 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. 

  1. $106
  2. Pearl City, HI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Pearl City: $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.

  1. $72
  2. Hilo, HI Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Hilo: $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. 

  1. $75
  2. Kailua, HI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Kailua: $75.
  4. Of course, what you may actually be 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. 

  1. $105
  2. Waipahu, HI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Waipahu: $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.