Best Honolulu Homeowners Insurance Quotes (2025)
Island Insurance, USAA, and AIG offer the best homeowners insurance policies in Honolulu.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited byChris Schafer
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Table of contents
Table of contents
Honolulu homeowners pay an average of $1,164 annually for a home insurance policy with a $1,000 deductible and $300,000 in dwelling coverage.
Although it’s an undeniably beautiful place to call home, Hawaii is vulnerable to numerous threats, including hurricanes, tsunamis, flash flooding, and earthquakes.[1] With many things that could go wrong, homeowners in Honolulu may choose to pay for additional coverage to protect the value of their residences.
Quick Facts
A standard home insurance policy doesn’t include coverage for flooding or earthquakes. Consider purchasing additional coverage if your home is at risk.
Island Insurance, Universal North America Insurance Company, and Allstate offer the most affordable homeowners policies in Honolulu, on average.
Many parts of Hawaii are prone to flooding, including the southern shore of Oahu, where Honolulu sits.[2]
Best home insurance companies in Honolulu
When choosing the right home insurance policy, the best company for you varies based on your unique situation and needs. Although your needs might look different, the insurance companies below offer worthwhile options for Hawaii homeowners.
Cheapest rates: Island Insurance
cheapest rates
island insurance
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| 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. | NR |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | Not rated |
Homeowners on a budget might look to Island Insurance, which offers the cheapest rates to homeowners in Honolulu. The average annual rate for $300,000 in dwelling coverage with a $1,000 deductible is $454. Unfortunately, the company claims only mediocre reviews from customers. Although some customers report a problem, many seem happy to work with the company.
Pros
AM Best financial strength rating of A+ (Superior)
Fewer-than-expected number of complaints with National Association of Insurance Commissioners (NAIC)
Cons
Mid-range reviews indicate mediocre customer satisfaction
Must finalize quote with agent over the phone
Best company for veterans: USAA
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 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 737 |
| $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. | $146/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 |
More than 65,000 veterans call Honolulu home.[3] These veterans, and other homeowners with a qualifying connection to the military, might benefit from USAA’s relatively affordable rates and exceptional customer service. USAA earned the top score for customer satisfaction in the J.D. Power 2024 U.S. Home Insurance Study.
Pros
Relatively affordable rates
AM Best financial strength rating of A++ (Superior)
Cons
Available only to military members, veterans, and eligible family members
Higher-than-expected number of complaints with the NAIC
Best company for high-value homes: AIG
AIGCompare 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. | NR |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 680 |
| $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. | $142/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. | $227/mo |
For homeowners with high-value homes, AIG might be the right insurance option. AIG provides Hawaiian homeowners with a combination of top-tier customer service and coverage for homes. Although the company’s average rates are on the higher end, it’s possible you’ll pay more for coverage when insuring a high-value home regardless of which insurer you work with.
Pros
High J.D. Power customer satisfaction rating
AM Best financial strength rating of A+ (Superior)
Cons
Quotes not available online
Higher-than-expected number of complaints with the NAIC
Our editorial team analyzed regional and national home insurance companies that sell policies in Honolulu 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 companies in Honolulu
Island Insurance offers Honolulu residents the cheapest home insurance, on average. Other relatively affordable home insurers working with Hawaii homeowners include Universal North America Insurance Company, Hawaiian Insurance & Guaranty Company, and Allstate.
The table below highlights the cheapest home insurance companies in Honolulu.
Insurance Company | Average Annual Premium |
|---|---|
| AIG | $1,304 |
| Allstate | $826 |
| Dongbu Insurance | $1,290 |
| First of Hawaii | $1,614 |
| Hawaiian Insurance & Guaranty Company | $937 |
| Island Insurance Group | $454 |
| RLI Group | $1,620 |
| State Farm | $1,821 |
| Universal North America Insurance Company | $610 |
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How much is home insurance in Honolulu?
The average annual cost of a home insurance policy in Honolulu is $1,164 for $300,000 in dwelling coverage with a $1,000 deductible.
But the exact cost of your home insurance policy will vary based on your unique situation. Some common factors outside of your control that influence costs include flooding risks, the location of the closest fire department, your ZIP code, and age of the home.[4]
Some factors within your control that affect your costs include what deductible you choose and how much liability coverage you purchase.
Cost of home insurance by dwelling coverage in Hawaii
If you need a higher level of coverage, you’ll likely face a more expensive homeowners insurance premium. Homeowners with high-value homes often pay significantly more than homeowners with a more affordable home.
The table below highlights the average costs of dwelling coverage by coverage limit in Hawaii.
Coverage Limit | Average Annual Premium |
|---|---|
| $100,000 | $569 |
| $200,000 | $817 |
| $300,000 | $1,164 |
| $400,000 | $1,548 |
| $500,000 | $1,932 |
Cost of homeowners insurance by deductible amount
Your home insurance deductible is the amount you’ll pay before the insurer helps pay for a covered loss. For example, if your roof needs replacing after a storm, you might pay a $1,000 deductible before the insurance company picks up the rest of the tab, up to your coverage limits.
Opting for a higher deductible typically leads to a lower insurance premium, as you’re assuming more of the risk.
The table below highlights how your deductible affects average home insurance costs. Rates are for $300,000 in dwelling coverage.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $1,216 |
| $1,000 | $1,164 |
Average cost of home insurance in other cities in Hawaii
Home insurance costs vary from city to city, depending on the risks in a particular location. Even different ZIP codes within the same city can affect your insurance premiums differently. For example, a homeowner in a ZIP code without a nearby fire station or history of theft or vandalism might face higher insurance costs than a homeowner in a ZIP code without similar risks.
The table below outlines the differences in annual premiums across Hawaii. All average annual rates are for $300,000 in dwelling coverage with a $1,000 deductible.
City | Average Annual Premium |
|---|---|
| Ewa Beach | $1,164 |
| Hilo | $1,166 |
| Honolulu | $1,164 |
| Kailua | $1,164 |
| Kaneohe | $1,164 |
| Kapolei | $1,164 |
| Mililani | $1,164 |
| Wahiawa | $1,164 |
| Waianae | $1,164 |
| Waipahu | $1,164 |
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What to know about owning a home in Honolulu
Whether you own or plan to own a home in Honolulu, it’s helpful to get a lay of the property landscape. Homeowners in the area face the following considerations:
High property values
Properties in Honolulu are worth more than $773,000, on average. This high value often leads to higher insurance costs because it’s often more expensive to rebuild a high-value home.
Natural disaster risks
Hawaii is vulnerable to numerous natural disasters, including hurricanes, tsunamis, flash flooding, and earthquakes. A standard home insurance policy doesn’t cover property damage caused by earthquakes and flooding. But you can seek out additional coverage options to bolster your policy.
Personal property limits
Most homeowners insurance policies include some protection for your personal property, like clothes and furniture. But if you have high-value items, you might want to consider a separate policy to help protect your most prized possessions.
Personal liability limits
Although most home insurance policies include some personal liability coverage, you’ll need to decide what level is right for you.
Honolulu home insurance FAQs
If you need Hawaii home insurance answers, explore the questions below.
The average annual insurance rate in Honolulu is $1,164 for a standard home insurance policy with $300,000 in dwelling coverage and a $1,000 deductible. But this coverage doesn’t include protection for damage caused by earthquakes or flooding. If you choose to purchase secondary coverage, you’ll pay higher insurance costs.
Island Insurance offers the cheapest rates to homeowners in Honolulu. The average annual rate for a policy with $300,000 in dwelling coverage with a $1,000 deductible is $454. Although this insurance company has relatively affordable coverage options and a show of financial strength, customer satisfaction is middle of the road.
The average home insurance rate in Hawaii is $1,164 per year for $300,000 in dwelling coverage and a $1,000 deductible. But your exact insurance rate will vary based on the insurance company and your specific needs.
Homeowners insurance in Hawaii doesn’t include property damage coverage from hurricanes, which could keep premiums lower. In order to fully protect your home, buying supplemental coverage for natural disasters — like hurricanes, floods, and earthquakes — will increase your total insurance costs.
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.
Sources
- Hawaii Department of Health. "Natural Disasters."
- University of Hawaii. "Hawaiʻi islands sinking faster in some areas; risk for flooding."
- U.S. Census. "QuickFacts Honolulu County, Hawaii."
- Insurance Information Institute. "Home buyer's insurance guide."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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