With sweeping beaches, verdant mountains, and a tropical climate, Hawaii is an American paradise. Once you’ve closed on your island home, it’s time to protect it.

When our team set out to find the best homeowners insurance in Hawaii, we were looking for a company with a wide range of coverage options, affordable plans, and excellent customer service. So we gathered sample quotes, investigated the ins and outs of various plans, and chatted with local experts. We found a handful of insurance companies that impressed us.

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The Best Homeowners Insurance in Hawaii

Freshome’s Recommendations: GEICO, Farmers, State Farm, Allstate, Travelers, USAA, First Insurance Company of Hawaii.

Finding a sample quote for homeowners insurance in Hawaii can be a little trickier than on the mainland; not all of the basic providers are available here. You may be required to pick up the phone, as opposed to a clicking around on a website.

Before we dive into our sample quotes, it’s essential to note that the quotes you get for your home will likely be different from ours. That’s okay. Take our quotes with a grain of salt and be sure to put in the research to find your own.

If you need to make a claim from your insurance company, you want a provider who will not only be a reliable contact to work with, but one that will be able to pay out. Thus, in order to recommend an insurance company, we required it to meet the following criteria: a J.D. Power rating of three stars or more, an A.M. Best rating of B+ or more, and a high financial rating from Moody’s and/or Standard & Poor’s. Keep in mind that if you are going through a major, nationwide insurance provider, there is a chance they will have a local insurance company writing their insurance. Be sure to get the local company’s information to ensure they meet the standards we’ve outlined.Our sample quotes are based off a standard wood home built in 2005 on Oahu with $290,000 worth of coverage on an HO3 policy. An HO3 policy, also called a Special Forms policy, is the most standard form of protection for homeowners in the US. Under an HO3 policy, your dwelling is covered under an “open perils” policy and your possessions are covered under a “named perils” policy. A peril is an event or disaster that causes damage and/or destruction to your home or possessions. Under an open perils policy, your home is covered for all perils except those specifically listed on the exclusion list. Your possessions are protected by named perils, which means that you are covered only for perils explicitly listed.

The sample quotes we gathered were among some of the cheapest we have found nationwide. However, remember that quotes vary wildly based on your home’s specifications. A home that needs $1 million worth of coverage on the beach will cost more to insure than an inland cottage.

Our Quotes
GEICO $219 Per Year
Farmers $239 Per Year
State Farm $544 Per Year

Our research showed that GEICO had the cheapest rates and was rated four stars by J.D. Power — making it the winner on our list. The company also provided a fluid customer experience. In Hawaii, GEICO underwrites their insurance through Island Premiere Insurance, which is a company that has been serving Hawaii for over 75 years and is nationally recognized as a great source to purchase homeowners insurance through.

USAA is another company that has high financial strength ratings, but had higher premiums; it provides insurance to a more niche market of military members and their families. There are more than 10 military bases in Hawaii, so it’s no surprise that USAA is a popular choice. You must have a membership in order to get insurance through this company.

What You Should Know Before Getting a Quote

Will you need to worry about coverages due to volcanic activity near your home? Is it going to cost more for you to have a home along the ocean or one tucked in the rainforest? Does Hawaii have any specific regulations for homeowners insurance that you need to know about? It’s easy to see that Hawaii is in a class of its own when it comes to homeowners insurance.

Coverage to Consider

We’ve discussed the merits of an HO3 policy. But what if you need a greater margin of error? There are add-ons and different policies that you can consider.

If you have high-value personal possessions (fine jewelry, antiques, heirlooms, etc.), an HO5 policy may be a good option. With an HO5 policy, your belongings are given coverage under an open perils policy, which means it would have the same coverage as your home itself. You’ll need to have an itemized, detailed list of your possessions for your insurance provider. It’s a good idea to have them appraised by an independent appraiser to make sure you’re not under-insured for these items.

If your home happens to be in the vicinity of a volcano, chances are you are covered by HPIA (Hawaiian Property Insurance Association), which was created by the government when private insurance companies refused to insure the lava zones. Check your policy for special terms involving volcanic damages if your home is located in or near a high-risk lava zone.

Hurricane coverage should be considered, especially if your home is located oceanside. This supplemental insurance will cover your house from any damages incurred through wind damage. Hurricane winds are qualified as winds exceeding 75 miles per hour. Unless specifically noted, hurricane coverage will not cover any flooding damages; that’s a separate coverage. However, if your roof is blown off due to hurricane winds and your home and possessions are damaged from rain, you will be covered.

What You Should Expect to Pay

The average cost of insuring a home in Hawaii is in the range of $900–$1,000 per year. Of course, every policy must be curated to fit a home’s specific needs. Some agencies will give you a discounted premium if you have two or more policies with them. Ask your agent about bundling.

Handy Information

Here’s a list of information that your insurance provider will need before he or she can provide you with a quote.

  • Age of home
  • Amount you want insured on home
  • Square footage of home
  • Construction details (roofing, siding, foundation)
  • Finished or unfinished basement
  • Number of bathrooms and bedrooms
  • Past insurance history on house
  • Renovation history on house
  • Home insurance claims you have made within the past five years
  • Distance from fire hydrant, police station, and fire station
  • Home alarm systems (smoke, burglar, sprinklers)

When figuring out how much insurance you want to have on your home, it is imperative you use the actual cost replacement value as opposed to the market value. The market value of your home is simply what it would sell for today. The actual cost replacement s the cost of rebuilding your home today from the ground up, including labor.

Hawaii Regulations and Laws

As with the majority of the states in the US, homeowners insurance is not required by law in Hawaii. It is, however, more than likely required by your mortgage lender, if you have one.

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Why Are Hawaii’s Rates So Average?

Hawaii’s average rates for homeowners insurance is $934 per year. Compared to a nationwide premium average of $952 per year, this makes Hawaii a reasonably affordable place to acquire homeowners insurance. However, there are some factors that may make your premium rise above the average. This could include having a waterfront home or a home located on the Big Island and in the range of volcanic activity. It’s important to discuss the specific details of your location with your insurance agent, as this will provide you with a solid basis of what to expect.


What are common coverage gaps?

In a nutshell: some natural disasters, mold, and flooding. If a tidal wave comes through and causes damage to the siding of your home (as well as flooding damage), this will not be covered by your standard policy. There are additional policies that you can add onto your plan to ensure you are covered such as hurricane coverage (which we’ve discussed above) and flood insurance (which we will discuss below). If you’re in an area that experiences an extreme amount of humidity, it may be wise to investigate mold coverage.

What about flood insurance?

Flood insurance is not included in most basic insurance policies. This separate policy must be added to your plan separately. Even if your home is not situated in an at-risk area, it may be wise to look into purchasing it regardless, as more than 25 percent of flood insurance claims come from low-risk properties. Unsure if your home is in a floodplain? Hawaii provides this flood hazard assessment tool that will show you current dangers and past flooding for your area, as well as surrounding areas.

What is a PPC grade?

A Public Protection Classification (PPC) is a grading scale for fire protection in the community you live. These grades are based off of your fire department’s attributes such as water supply, communication system, and how the dispatch center alarms the firefighters. The grading scales from 1–10 and the lower the number, the better off your home is. The PPC grade also affects your premium. If your home is more than five miles away from a fire department and is also more 1,000 feet away from a fire hydrant, chances are your home will be rated at a 10.

Take Action

We’ve covered how to find the best homeowners insurance companies, what kind of coverage you may want to consider, and more. Check out this article, which acts as a guideline to the entire home purchasing process. We recommend checking out at least three different companies so you can find the best policy for your specific home.

Freshome’s Recommendations: GEICO, Farmers, State Farm, Allstate, Travelers, USAA, First Insurance Company of Hawaii.

Compare Homeowners Insurance Rates

To quickly find and compare rates in your area, enter your ZIP code below.

Enter Your ZIP Code: