Best Homeowners Insurance Companies in Hawaii (2026)
State Farm, Allstate, and USAA stand out for Hawaii homeowners thanks to local agent access and online tools.
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Reviewed byChase Gardner
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Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Data reviewed byAndrew Huang
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Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Table of contents
Homeowners insurance in Hawaii costs an average of $1,476 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows. That’s much less than the national annual average of $2,544.
But lower homeowners insurance premiums don’t mean lower risk. Hawaii homes can face tsunamis, hurricanes, wildfires, and volcanic activity. While home insurance protects against wildfires and volcanic eruptions, it doesn’t cover damage from tsunamis or flooding.[1]
Here’s what you need to know about homeowners insurance in Hawaii and why it’s important to compare home insurance quotes before buying a policy.
Quick Facts
State Farm, Allstate, and USAA are our top picks for Hawaii homeowners insurance.
Allstate has the cheapest homeowners insurance rates in Hawaii. A policy with $300,000 in dwelling coverage and a $1,000 deductible averages $74 per month.
You may need to buy a separate flood insurance policy if you live in a flood-prone area.
Best home insurance companies in Hawaii
In Hawaii, you can choose from many quality home insurance companies across the islands. The best home insurance company for you depends on where you live, the type of home you have, and the risks your home may face.
As you shop, consider the following five insurers for your Hawaii property.
State Farm: Best for agent access
State FarmCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $149/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $228/mo |
State Farm’s biggest advantage for Hawaii homeowners is its widespread agent network across the islands. It has agents active in the cities of Honolulu, Hilo, Kahului, Kailua-Kona, and Lihue. This is an excellent perk if you prefer in-person help reviewing coverage, adjusting policies, or managing claims.
State Farm has digital tools, too. You can pay your bill, contact your agent, and file claims through the mobile app or by logging in to your State Farm account online.
Pros
Strong local agent presence
Above-average J.D. Power customer satisfaction rating[2]
Discount for bundling home and auto insurance
Cons
Customer experience varies by agent
No flood insurance
Few available discounts
Allstate: Best for customizable coverage
AllstateCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $74/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $117/mo |
Allstate is ideal for Hawaii homeowners who want more control over what their policy covers. You can opt for water backup protection, identity theft insurance, and insurance that pays to repair covered damage with environmentally friendly materials.
The company also offers coverage for homeowners with extensive landscaping, people who operate a home-based business, or homeowners who own expensive personal property, such as musical instruments, antiques, or sports equipment.
Pros
Available flood insurance
Plenty of ways to tailor coverage
Several available discounts
Cons
Optional coverages increase policy cost
Flood insurance requires a separate policy
Below-average J.D. Power customer satisfaction rating
USAA: Best for military households
USAACompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $144/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $206/mo |
USAA is a strong choice for the more than 250,000 military personnel, veterans, and their families who live in Hawaii. Honolulu County alone has more than 60,000 veterans, making USAA’s military focus particularly relevant.
With USAA, replacement cost and identity theft protection are standard home insurance inclusions. If you’re an active duty or active reserve, your USAA homeowners insurance policy also covers military equipment and clothing, including uniforms, flight cases, and body armor, without requiring a deductible after a covered loss.
Pros
Highest J.D. Power customer satisfaction rating
Available flood insurance
Perks and shopping discounts for members
Cons
Strict membership eligibility
No in-person agents in Hawaii
Limited discount options
First Insurance Company of Hawaii: Best for local service
First Insurance Company of Hawaii (FICOH) earns a top spot for Hawaii locals because it’s based in Honolulu. As a locally based insurer, it also has agents in Kailua, Kailua-Kona, Kaunakakai, and Lihue.
Policies include equipment breakdown coverage at no extra cost, which protects against electrical surges, food spoilage, appliance damage, and more. FICOH provides flood insurance through the National Flood Insurance Program (NFIP). The company also makes it easy to get a hurricane policy.
Pros
Bundling discount of up to 40%
Coverage includes equipment breakdown
Offers flood and hurricane insurance
Cons
Flood coverage requires a separate policy
Online claims aren’t processed immediately
Limited online tools
Farmers: Best for discounts
discounts
Farmers
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $183/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $296/mo |
Farmers stands out in Hawaii for homeowners who want to lower their premiums through insurance discounts. The company offers bundling and claim-free discounts. But you can also save by paying on time, going paperless, buying a newer home, or adding home security measures such as a fire alarm, security system, or internal sprinklers.
Some home features may qualify for additional discounts. For instance, using remote home-monitoring systems, plumbing leak detectors, and automatic gas shutoff devices can also lower your premium.
Pros
Many available discounts
Additional savings for smart home features
Offers hurricane and flood insurance
Cons
Fewer local agents than other companies
Below-average J.D. Power customer satisfaction rating
Smaller bundling discount
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Hawaii to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance in Hawaii
Allstate has some of the cheapest home insurance premiums in Hawaii. A policy from Allstate with $300,000 in dwelling coverage and a $1,000 deductible averages $74 per month.
The table below shows other affordable Hawaii insurance companies.
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company  | Average Annual Premium |
|---|---|
| Allstate | $888 |
| State Farm | $1,788 |
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How much does homeowners insurance cost in Hawaii?
Hawaii home insurance costs an average of $1,476 per year for a policy with $300,000 in dwelling coverage, according to Insurify data. But your rate can look very different depending on your location, home details, and policy limits.
Living near the coast increases exposure to water damage from tsunamis, which can raise your insurance costs. Wildfire risk in Hawaii is also growing, with Lahaina ranking among the top 2% of U.S. locations for wildfire exposure.
While insurers consider your home’s age, building features, and construction type, your deductible and optional coverages also affect your premiums.
Cheapest home insurance companies in Hawaii by dwelling coverage
Dwelling coverage is the part of your policy that pays to repair or rebuild your home after a covered loss.
The following table shows average annual premiums by company and dwelling coverage amount.
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $88 |
| State Farm | $186 |
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $133 |
| State Farm | $267 |
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $210 |
| State Farm | $408 |
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $324 |
| State Farm | $595 |
What homeowners should know about insurance in Hawaii
Owning a home in Hawaii exposes you to risks that standard homeowners policies may not cover. When you understand your coverage and are aware of any gaps in your protection, you can avoid being caught off guard if a disaster hits your home.
Tsunamis
Hawaii has a long history of tsunamis. In fact, Hilo is often referred to as the tsunami capital of the United States.[3] But tsunami damage isn’t covered by standard homeowners insurance — it’s generally covered under a separate flood insurance policy.[4]
Flood coverage is available through the NFIP. Your homeowners insurance agent may be able to help you add this protection.
Flash floods
Flash floods in Hawaii are most common in urban areas, valleys, and near streams. Because homeowners insurance typically excludes flood damage, you’ll likely need to purchase a separate flood insurance policy.
In Hawaii, nearly 60,000 NFIP flood insurance policies are active statewide, illustrating how common this coverage is in Hawaii.
In addition, FEMA recently updated Hawaii’s flood insurance zones on Oahu. As a result, lenders may now require homeowners with existing mortgages in these newly designated high-risk zones to purchase flood insurance.[5]
Wildfires
Wildfires can become a concern in Hawaii during dry periods. Homeowners insurance typically covers wildfire damage, which helps alleviate that concern. If a fire threatens your property, you can help limit the damage by removing brush and keeping the area around your home clear.
How much homeowners insurance do you need in Hawaii?
Homeowners insurance isn’t required by law in Hawaii, but your mortgage lender will expect you to have it for the duration of your loan. The amount you need depends on your home, your personal belongings, and the risks you want to protect against.
Your coverage should be sufficient to rebuild your home in the event of a total loss.[6] You’ll also need enough personal property coverage to repair or replace items you own, like furniture, clothing, and appliances.
It’s important to note that some high-value items, including electronics, musical instruments, and sports equipment, have coverage limits and may require a separate endorsement.
Make sure you understand exactly what your home insurance policy covers before you buy it. For example, loss of use coverage helps pay for additional living expenses if you can’t live in your home while repairs are made after a covered loss.
It’s also a good idea to determine whether your policy covers water backup and flood damage. In most cases, you need add-on coverage or a separate policy to cover these perils.
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How to contact the Hawaii Insurance Division
The Hawaii Insurance Division oversees the state’s insurance companies and agents. You can get in touch if you need help understanding your policy, want to check whether a company or agent is licensed, or need assistance with a claims dispute.
You can reach the Hawaii Insurance Division online, by phone at 1 (808) 586-2790, or through email at [email protected].
Hawaii homeowners insurance FAQs
See the following answers to frequently asked questions on Hawaii homeowners insurance for more information.
The average cost of homeowners insurance in Hawaii is $1,476 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows. Your actual cost is based on your ZIP code, home details, and coverage choices.
Allstate has some of the cheapest homeowners insurance in Hawaii. A policy with $300,000 in dwelling coverage and a $1,000 deductible averages $74 per month. Since insurers base rates on your home and coverage levels, your policy premium may vary.
No. Hawaii doesn’t have a law that requires you to have homeowners insurance. But your mortgage lender will require you to buy a policy to protect the house while your loan is in place.
A few strategies can help you lower your home insurance costs.[7] You can shop around to ensure you’re getting the best rate, ask about discounts, raise your policy’s deductible, bundle home and auto coverage, add safety features, and avoid filing small insurance claims.
Typically, yes. Standard policies generally cover damage from volcanic eruptions, including fires. But most home insurance policies exclude damage caused by volcanic water and mud.
Since home insurance policies commonly exclude flood damage, Hawaii homeowners often consider buying flood insurance. Depending on your situation, you may also need higher personal liability coverage limits or optional coverage, such as water backup protection.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- Federal Emergency Management Agency (FEMA). "Flood Insurance."
- J.D. Power. "2025 U.S. Home Insurance Study."
- University of Hawaii. ""Like the Whole Ocean Was Coming at You"."
- FEMA. "Understanding Tsunamis and the NFIP Fact Sheet."
- City and County of Honolulu, Office of the Mayor. "O'ahu residents urged to check new flood zone maps ahead of major FEMA changes."
- Insurance Information Institute. "How much homeowners insurance do I need?."
- Insurance Information Institute. "12 Ways to Lower Your Homeowners Insurance Costs."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Amy has been a contributor at Insurify since September 2023.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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