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Best Homeowners Insurance Agencies in Hawaii

Our Recommended Top 3

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Hawaii Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

Honolulu Rating

Why choose this provider?

Wil Chang is the best insurance specialist catering to individuals and families in Hawaii. He has been representing State Farm for over five years, providing personalized insurance policies, including homeowners', life, health, auto, and business coverage. His homeowners' insurance policy helps individuals protect their personal properties and liability in the event of damage or loss that took place in their premises. He holds over 20 years of experience in the financial industry. Chang is a member of local organizations, including the Cyber Lions Hawaii.

Honolulu Rating

Review Sources

4.6 (10)
4.5 (6)
5.0 (5)

Why choose this provider?

Kevin Takahashi is an insurance agent addressing the needs of families and individuals in Hawaii. Since 2005, he has been representing State Farm as one of its best agent. He provides homeowners', life, health, auto, pet, and business insurance. His homeowners' insurance policy includes liability coverage, protecting the policyholder's financial expenses if someone obtained injuries inside their premises. This policy covers the client's belongings like furniture, appliances, and clothing, in addition to keepsakes and outdoor home structures. His additional options include banking and annuities.

Honolulu Rating

Review Sources

5.0 (34)
5.0 (23)
5.0 (20)

Why choose this provider?

Ross Tsuha is a second-generation State Farm agent serving families and individuals in Hawaii. He started his agency in 2013, addressing the clients' insurance and financial needs. Tsuha offers the cheapest homeowners', health, life, auto, and business insurance, in addition to services related to banking and annuities. He develops a personalized homeowners' insurance policy that helps protect the client's home and belongings in case of fire, vandalism, or theft. This policy also includes liability coverage if a person obtained injuries inside the policyholder's property.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Wil Chang - State Farm Insurance Agent
6700 Kalaniana?ole Highway, Honolulu, HI 96825
Kevin Takahashi - State Farm Insurance Agent
1284 Kalani St d108, Honolulu, HI 96817
Ross Tsuha - State Farm Insurance Agent
1314 S King St STE 319, Honolulu, HI 96814


  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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