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2024

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Best Renter's Insurance Companies in Honolulu, HI

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 Honolulu Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

138Reviewed

84Curated

3Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

100 North Beretania Street, Honolulu, HI 96817
WebsiteLicense: RS-47562

Expertise.com Rating

Review Sources

Yelp
5.0 (11)
Google
3.0 (5)

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.

  • Multiple Policy Types

1164 Bishop Street, Honolulu, HI 96813
WebsiteLicense: RB-3365

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Yelp
3.0 (2)
Google
5.0 (1)

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.

  • Multiple Policy Types

94-547 Ukeʻe Street, Waipahu, HI 96797
WebsiteLicense: 307132

Expertise.com Rating

Review Sources

Google
4.0 (56)
Facebook
4.0 (8)
Yelp
5.0 (3)

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.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
David Chen Insurance and Real Estate Company
100 North Beretania Street, Honolulu, HI 96817
Finance Insurance, Ltd.
1164 Bishop Street, Honolulu, HI 96813
Carr's Insurance Agency
94-547 Ukeʻe Street, Waipahu, HI 96797

FAQs

  • 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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