The Best Homeowners Insurance in Hawaii [2023]


Find a top-ranked Homeowners Insurance Agency in your area

If you’ve ever visited Hawaii, there’s a good chance you thought about dropping everything and moving there on the spot. Whether a Hawaiian native or new resident, the Aloha State is home to some of the most beautiful beaches, oceans, and national parks. 

However, living in Hawaii comes with long hurricane seasons and earthquakes caused by volcanic activity — much of it from the largest volcanic mountain by volume in the world, Mauna Loa. It’s important to know how to properly insure your home to protect your family and belongings. 

We at have analyzed a handful of home insurance companies. We’ll uncover everything to know about homeowners insurance rates in Hawaii, and help you find the most comprehensive, cheapest coverage to suit your needs.

Average Cost of Homeowners Insurance in Hawaii

The average cost of homeowners insurance in Hawaii is $987 per year according to ValuePenguin, well below the national average.

The cost of home insurance in Hawaii can differ vastly based on a few key factors:

  • The age of your home: Is your Hawaii home an older home that is at risk of more structural wear and tear?

  • The square footage of your home: How big is your home? In general, larger homes will cost more to insure.

  • The materials used to build your home: Was your Hawaii home built using materials prone to things like rotting or structural damage?

  • Building costs in your area: Because insurance deals with repairs and replacement, coverage increases with increased building costs.

  • The location in which you live: What are crime rates like? How close are you to a fire department? How close are you to volcanic activity?

  • Any additional features: Does your house have a swimming pool or hot tub that could pose a potential risk to guests? Do you have pets, and if so, what are their breeds? Surprisingly, insurers will look at these things when assessing prices.

  • Your deductible: A higher deductible will decrease your premium, but could cost you more if you file a claim. Talk to your insurance provider about diminishing deductibles to get the best plan that suits your payment needs.

Hawaii Homeowners Insurance Rates by City

It’s no surprise that homeowners insurance rates and policies can vary greatly depending on where you live in the state.

Below is a breakdown of the average annual insurance rates for the 10 most populated cities in Hawaii:


Average Annual Rate



Pearl City

Kailua CDP



Ewa Gentry

Mililani Town



The Best Homeowners Insurance in Hawaii

After extensive research, we at found the following insurance agencies to provide the best, comprehensive home insurance coverage in Hawaii:

DB Insurance

DB Insurance

Average Annual Rate: ~ $550

Notes: Most affordable option; great discounts for bundling auto and home insurance

Allstate logo


Average Annual Rate: ~ $560

Notes: Affordable rates; great online features for convenience

State Farm logo

State Farm

Average Annual Rate: ~ $1,100

Notes: Great customer service; a handful of local agencies

Ocean Harbor

Ocean Harbor

Average Annual Rate: ~ $1,300

Notes: Great add-on coverage options

Island Insurance

Island Insurance

Average Annual Rate: ~$900

Notes: Best local insurer

Cheapest Homeowners Insurance in Hawaii

The cheapest homeowners insurance coverage in Hawaii is DB Insurance.

It’s important to remember that prices vary depending on each person’s unique scenario, but if cost is the most important variable for you, check DB Insurance’s coverage options and exclusions first.

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Find Cheap Homeowners Insurance in Your Area


Below, we tackle some common questions to help you make a more informed decision about which homeowners insurance to choose in Hawaii specifically. 

How to Reduce Homeowners Insurance Costs in Hawaii

As we’ve pointed out, the price you pay for Hawaii home insurance can vary substantially across insurers. 

Here are a few ways to reduce costs:

  • Increase your deductible. This will help reduce monthly costs to your insurer, but it may mean paying more out of pocket should you need to make a claim. Similarly, paying your 6-month or 1-year premium in full will drive down monthly costs.

  • Bundle policies. Bundling your home and auto insurance can help you save 5–15% on your premiums. Talk to your insurance provider about home and car insurance bundling options and how that helps you save.

  • Take the necessary steps to make your home disaster-resistant. Some examples include:

    • Install a smoke detector and/or fire alarm.

    • Get a burglar alarm and/or dead-bolt locks.

    • Install a sprinkler system.

  • Nix the high-risk accessories. Similar to the above point, rid your home of things that are considered “high risk.” For example, did the kids go off to college? Time to throw out that trampoline that’s sitting in the backyard.

  • Seek out other discounts. Some things to look into:

    • Do you work from home? Insurance providers may feel you’re less prone to theft or may spot a fire or flood sooner.

    • Are you retired? You may qualify for a discount. 

    • Does your employer offer a group deal?

    • Even something as simple as choosing paperless billing can help you save!

  • Keep good credit. Some agencies will look at your credit history and charge less for those with good financial strength and standings.

As always, consult your insurance agent to see which of the above discounts you qualify for.

Hawaii Insurance Options In Your City

At, our goal is to connect Hawaii residents and renters with the best local experts and agencies, so you can find the home insurance policy that safely insures your home and most prized possessions.

View our list of the 3 best homeowners insurance agencies here

Our methodology evaluates each provider based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.