Expertise.com

Best Renter's Insurance Companies in Honolulu

2024

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Providers

Last updated:

Website
100 North Beretania Street, Honolulu, HI 96817
  • Multiple Policy Types

Why choose this provider?

David Chen Insurance and Real Estate Company is a team of insurance professionals that caters to the residents of Honolulu. They provide renters' insurance policies for clients who rent in an apartment or condo, with coverage for liability and personal property in the event of theft or damage. In addition, they offer a choice of plans for businesses, which include general liability and workers' compensation. The agency also writes policies for group life and health tailored to the needs of businesses.

License Verified:

License: RS-47562

Hawaii Department of Commerce and Consumer Affairs

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Yelp
5.0 / 5 (11)
Google
3.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1164 Bishop Street, Honolulu, HI 96813
  • Multiple Policy Types

Why choose this provider?

For more than 50 years, independent and locally owned insurance agency Finance Insurance, Ltd., has been offering interested customers their insurance plans under personal, commercial, professional, and life options. Based in Honolulu, the agency offers homeowners', renters', flood, and condo insurance under its personal coverage plans. Finance Insurance also covers group life insurance, long-term disability insurance, mortgage protection, and assistance regarding retirement. The company has offices in Kauai, Oahu, Maui, Hilo, and Kona.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
5.0 / 5 (3)
Yelp
3.0 / 5 (2)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
94-547 Ukeʻe Street, Waipahu, HI 96797
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Carr's Insurance Agency is an independent insurance agency that represents multiple insurance carriers in Honolulu and throughout the state. Its independent status means the agency is able to compare policies in order to obtain suitable coverage for the home and renters' insurance policy. Part of its service is understanding the clients' needs so its agents can match them with the right plans. Established in 1990, the locally owned and operated agency has an intimate knowledge of the local market.

License Verified:

License: 307132

Hawaii Department of Commerce and Consumer Affairs

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (56)
Facebook
4.0 / 5 (8)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • What does a Honolulu renters' insurance cover?

    There are three core coverages in Honolulu renters' insurance: loss of use, personal liability, and personal property. Loss of use offers assistance in times when the property becomes uninhabitable. Coverage of personal property safeguards belongings against damage and theft. Personal liability coverage protects from claims of property damage and harm. These coverages provide financial help in unexpected circumstances.

  • What factors affect the rate of renters' insurance in Honolulu?

    The rate of renters' insurance that residents of Honolulu will need to pay depends on several factors, and these may include the following:

    • The amount of coverage selected.
    • The location of the rental property.
    • The deductibles that the policyholder decides to pay when they make a claim.
    • The replacement cost of the damaged items versus the actual cash value.
  • Why should a Honolulu resident need to buy renters' insurance?

    A Honolulu resident should buy renters' insurance because their landlord’s insurance plan does not cover their personal belongings. Even if the state does not compel tenants to get renters' insurance, some landlords may and do require it. The tenant's lost or damaged belongings won't be covered without it.

  • What is the defense coverage that a renters' insurance in Honolulu may have?

    The defense coverage of a renters' insurance policy pays for the defense of Honolulu policyholders when someone sues them for personal liability. The coverage applies regardless of the validity of the claim. Defense coverage gives the policyholder protection from false and frivolous claims that have no merit. It is an important part of a policy because claims may result in default judgments if no defense is made.

  • What are the reasons why a landlord may oblige a tenant to purchase renters' insurance in Honolulu?

    A landlord may require a tenant to obtain renters' insurance in Honolulu for the landlord to ensure that their renter can pay for property damage or bodily injury that they may accidentally cause. They also want tenants to be protected in case of subrogation. This is when the landlord's insurer sues the tenant for reimbursement of claims paid for in a loss caused by the latter's fault, such as a fire.

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