Home Insurance in Hawaii
Hawaii homeowners pay an average of $506/year for homeowner's insurance — well below average compared to the national average of approximately $1,700/year.
Primary Risks in Hawaii
The main home insurance risk factors in Hawaii are: Volcanic activity, hurricane, tsunami. Hawaii has the lowest homeowner's insurance premiums in the nation. However, lava flow and volcanic activity (especially on the Big Island) are not covered by standard policies and require separate coverage.
What Standard Home Insurance Covers in Hawaii
- Dwelling: Repairs or rebuilds your home structure after a covered loss
- Personal Property: Replaces furniture, electronics, clothing, and belongings
- Liability: Covers injuries that occur on your property
- Additional Living Expenses (ALE): Pays for temporary housing if your home is uninhabitable
Coverage Gaps to Watch in Hawaii
Standard homeowner's policies in Hawaii typically do not cover flood damage (requires separate NFIP or private flood policy) . Review your policy carefully for exclusions relevant to Hawaii's risk profile.
Frequently Asked Questions
How much is home insurance in Hawaii?
The average annual home insurance premium in Hawaii is $506/year. Your actual rate will vary based on your home's age, size, construction type, location within Hawaii, your claims history, and coverage amounts. Use our calculator above to estimate your cost.
What are the biggest home insurance risks in Hawaii?
The primary risks driving home insurance costs in Hawaii are volcanic activity, hurricane, tsunami. Hawaii has the lowest homeowner's insurance premiums in the nation. However, lava flow and volcanic activity (especially on the Big Island) are not covered by standard policies and require separate coverage.
Does home insurance in Hawaii cover flood damage?
No. Standard homeowner's insurance policies — including those in Hawaii — do not cover flood damage. Flood insurance must be purchased separately through the National Flood Insurance Program (NFIP) or a private insurer.
How much home insurance coverage do I need in Hawaii?
You need enough dwelling coverage to rebuild your home at current Hawaii construction costs, which can differ significantly from your purchase price or market value. Personal property coverage should equal the replacement value of your belongings. Liability coverage of at least $300,000 is recommended. Use our calculator to estimate your specific coverage needs.