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2024

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Best Homeowners Insurance Agencies in Honolulu, HI

Our Recommended Top 5

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 Honolulu 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.

217Reviewed

132Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1000 Bishop Street Suite 600, Honolulu, HI 96813
WebsiteLicense: 366300

Expertise.com Rating

Review Sources

Google
5.0 (6)
Yelp
3.5 (3)

Why choose this provider?

ACW Insurance, Bonding & Employer Solutions serves clients within Honolulu. Its staff provides products for homeowners and renters who wish to protect their property and belongings from hazards brought by the local weather, thieves, and vandals. Its policies also deliver coverage for liability, medical expenses, and structures that are not immediately connected to a client's residence. It has options for commercial properties and personal vehicles, as well as term and whole life insurance. The company was founded in 2009 and serves Washington, Oregon, California, and Arizona.

  • Personal Property Insurance

1314 S King St STE 319, Honolulu, HI 96814

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
5.0 (7)

Why choose this provider?

The insurance agency of Ross Tsuha represents State Farm in offering homeowners' insurance policies to clients in the Honolulu area. Tsuha is a second-generation agent and is a local of the island of Oahu. His team aims to help clients manage risks and recover from unexpected events. He provides assistance in processing insurance applications and in managing clients' existing insurance policies. His agency also offers auto insurance, property insurance, business insurance, life insurance, health insurance, and pet insurance.

  • Multiple Policy Types
  • Personal Property Insurance

1284 Kalani St d108, Honolulu, HI 96817

Expertise.com Rating

Review Sources

Google
4.6 (9)
Yelp
5.0 (5)

Why choose this provider?

Kevin Takahashi works with State Farm and has been representing the company since 2005. As a State Farm insurance agent, he helps homeowners protect their property through homeowners' insurance policies. Homeowners' insurance can cover all potential risks or only specific incidents and losses, depending on what the policy includes. Takahashi also focuses on providing customers with their auto insurance needs to protect their vehicles from any risks and cover their liabilities.

  • Personal Property Insurance
  • Multiple Policy Types

6700 Kalanianaʻole Highway, Honolulu, HI 96825

Expertise.com Rating

Review Sources

Google
5.0 (57)
Yelp
5.0 (14)

Why choose this provider?

Wil Chang Insurance Agency Inc. is a local homeowners' insurance agency that serves the residents of Honolulu and the surrounding areas. The business owner, Wil Chang, has been in the financial services industry for more than 20 years. His agency focuses on helping families find the best insurance coverage for their home properties. Aside from providing home insurance, Wil Chang Insurance Agency Inc. offers other insurance products, including auto, business, health, and life insurance.

  • Multiple Policy Types

1100 Alakea St, Suite 2600, Honolulu, HI 96813
WebsiteLicense: 107831

Expertise.com Rating

Review Sources

Facebook
3.7 (6)
Google
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Cavanah is an insurance agency that caters to clients in and around the Honolulu area. It provides a variety of insurance programs, including homeowners', personal auto, life, and health. It also offers options for specialty, earthquake, flood, and hurricane insurance policies. In addition, it provides commercial insurance products covering liquor liability, medical malpractice, party and tent, and retail. The agency has been operating since 1976. Cavanah has worked with established companies like Allianz, National interstate, Pacific Guardian Life, and Crum & Forster.

  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
ACW Insurance, Bonding & Employer Solutions
1000 Bishop Street Suite 600, Honolulu, HI 96813
Ross Tsuha - State Farm Insurance Agent
1314 S King St STE 319, Honolulu, HI 96814
Kevin Takahashi - State Farm Insurance Agent
1284 Kalani St d108, Honolulu, HI 96817
Wil Chang - State Farm Insurance Agent
6700 Kalanianaʻole Highway, Honolulu, HI 96825
Cavanah
1100 Alakea St, Suite 2600, Honolulu, HI 96813

FAQs

  • 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's covered by standard homeowners' insurance in Honolulu?

    A typical homeowners' insurance policy in Honolulu incorporates protection for personal items, accountability for injuries, medical fees for others, and damages to the dwelling. Crucially, it shields against hazards like hurricanes, hail, and wind. Moreover, it offers assistance with expenses when the home isn't habitable. Most tornado-related damages fall under these standard provisions.

  • How can homeowners in Honolulu reduce their insurance premiums?

    Homeowners in Honolulu can reduce their insurance premiums by minimizing claim risks. This involves preparing homes for high winds, hurricanes, and the less frequent hail season. Incorporating smart home devices that track the home's internal systems can also help. After taking these measures, informing the insurance provider about the updates is vital to adjusting the premium.

  • Considering the threat of wildfires, how should homeowners in Honolulu adjust their insurance for sufficient protection?

    Honolulu homeowners should consistently refine their insurance to defend their residences, personal items, and structures, such as garages, from wildfire-related damages. It's vital to reassess policies after significant events like a hike in property worth, key life occurrences, the purchase of valuable belongings, or home enhancements. Collaborating with an insurance specialist for periodic policy checks ensures ample safeguarding against wildfires and other threats.

  • For a homeowner in Honolulu, how does homeowners' insurance coverage compare to that of a home warranty?

    For a homeowner in Honolulu, homeowners' insurance primarily shields the property from damages resulting from natural disasters, fires, theft, and other unforeseen events. The specifics of these policies, such as premiums and deductibles, can vary. If a homeowner is financing a property in Honolulu, they often need a set level of this insurance. Meanwhile, a home warranty acts as a supplemental policy, covering areas not included by homeowners' insurance. It complements, but doesn't replace, homeowners' insurance.

  • What type of storm-related damages are covered by homeowners' insurance in Honolulu?

    In Honolulu, typical homeowners' insurance addresses damages stemming from storms, especially wind-related incidents like a displaced roof or impacted siding. When a storm's wind effects lead directly to floodwaters invading a home, the usual policy covers these issues. Yet, when rising waters from tidal surges or inland sources cause flooding after a storm, one would need distinct flood insurance, as traditional homeowners' policies don't encompass such situations.

  • 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.

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