The best home insurance in Hawaii provides the coverage you need at a price that’s within your budget. But choosing a new home insurance policy can be overwhelming. We’ve outlined the must-know details about home insurance in Hawaii to help you through the process.
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The average cost of home insurance in Hawaii is $382 per year, which includes $250,000 in coverage. In comparison, the national average for $250,000 of home insurance is $1,428.
Several factors impact home insurance rates, including the coverage you select, your deductible, the amount of insurance you purchase, and even the city where your home is located. You will find some of the cheapest rates for home insurance in Hawaii in certain cities:
| Hawaii City | Average Cost of Home Insurance Per Year |
| Honolulu | $379 |
| Tripler Army Medical Center | $379 |
| Aiea | $380 |
| Camp H M Smith | $380 |
| Ewa Beach | $380 |
It’s also important to note that windstorm damage is not included in the policy, which explains why the average cost of home insurance in Hawaii is significantly less than the national average for home insurance. With hurricanes being one of the most common natural disasters in Hawaii, you will need to purchase separate windstorm or hurricane coverage, which can cost hundreds or even thousands of dollars per year.
Since home insurance prices can vary so much, a personalized quote will give you the most accurate idea of what you will pay for insurance. You can get free home insurance quotes in Hawaii from ConsumerCoverage.
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To choose the best home insurance in Hawaii, you will need to understand what’s included in your policy. Most standard home insurance policies include the following coverage:
In addition to these standard coverages, it’s important to consider the unique risks common in Hawaii. You may want to add in additional coverage:
There are several ways to find cheap homeowners insurance in Hawaii. Look for discounts, like discounts for having multiple policies through the same insurance company or discounts for disaster-proofing your home with storm shutters. Consider choosing a policy with a higher deductible, which can save you money on your monthly premiums. Just be sure that you’re prepared to pay that higher deductible if you ever need to file a claim!
Most importantly, take the time to shop around and compare policies to find the right coverage at the best price. Request a free homeowners insurance quote from ConsumerCoverage today to start shopping and protect your home.
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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
