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

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.

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