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Hawaii Homeowners Insurance

From the big island to all the islands in between, Aloha from your new Hawaii homeowners insurance policy! At Clovered, we’ve partnered with some of the best Hawaii homeowners insurance companies and created a custom-quoting engine that does all the legwork — so you just click, compare and buy!

Finding the best homeowners insurance in Hawaii is super simple. Just enter your address into our proprietary quoting system, provide a few additional details and get paired with multiple quotes from multiple companies on a single page.

All you need to do is pick the policy that’s within your budget, adjust a few key coverage amounts if you see fit (like adding more personal property coverage if you recently bought a new TV and surround sound system for the big game), buy it and your coverage goes into effect almost immediately. Let’s take a look at everything that’s covered with homeowners insurance in Hawaii.
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What’s Covered With a Hawaii Homeowners Insurance Policy?

Coverage A – Dwelling

 
☘ This covers the actual structure of your home and the components that make it, such as the roof, siding, windows, countertops and flooring. Since it protects the actual home itself, the amount of Coverage A on your policy should be the equivalent, or slightly more, than your home’s value.

Coverage B – Other Structures

☘ Everything from a white picket fence to a shed — and even a treehouse — are considered other structures. The structures must be on the homeowner’s property, though, and is typically up to 10 percent of the policy’s dwelling limit.

Coverage C – Personal Belongings

☘ Coverage C is designed to protect the policyholder’s personal belongings that are kept within the home. For homeowners, this coverage can extend to items kept on the property, such as a lawnmower.

Coverage D – Loss of Use

 
☘ Arguably the most underrated part of every homeowners insurance policy, loss of use helps to pay for things like equivalent housing and extra everyday expenses if the policyholder’s home is unable to live in after being damaged or destroyed.

Coverage E – Personal Liability

☘ Protection against accidents that occur on the policyholder’s property, personal liability can provide money for medical bills and legal expenses for incidents when the policyholder is found liable. Coverage extends to incidents like dog bites, major injuries and accidental death.

Coverage F – Medical Payments

☘ Similar to personal liability, medical payments to others (also called MedPay) covers minor injuries that occur on the policyholder’s property — whether or not they’re found liable for the incident. Policies usually have between $1,000 and $5,000 worth of MedPay coverage.
What are the common covered perils

Which Perils Are Most Commonly Covered by Homeowners Insurance in Hawaii?

Since Hawaii is prone to many natural disasters, such as volcanoes erupting and major rainstorms that seem to come just as quickly as they go, having the right homeowners insurance in place is pivotal to the safety of your home, your family, any personal belongings and your wellbeing.

☘ Vandalism
☘ Theft
☘ Damage caused by vehicles
☘ Damage caused by aircraft
☘ Rioting or civil disturbances
☘ Smoke damage
☘ Fire or lightning
☘ Windstorm or hail, such as a hurricane or tornado
☘ Explosions

☘ Volcanic eruptions
☘ Frozen pipes
☘ Falling objects
☘ Damage caused by heating, air conditioning or plumbing
☘ Damage due to snow, ice or sleet
☘ Damage from water heater, including cracks, burns or tears
☘ Damage from electrical currents, such as downed powerlines

How Much Is Homeowners Insurance in Hawaii?

Hawaii is one of the cheapest states for homeowners insurance in the country. At an average cost of just $400 per year, Hawaii homeowners insurance is cheaper than traditional auto policies in most states. That amount provides sufficient coverage for a home that averages $200,000 worth of dwelling coverage, $100,000 in liability coverage, $30,000 worth of personal property protection and a low $1,000 deductible.

There are certain factors that contribute to the increase and decrease in premium prices, such as maximum coverage amounts and your home’s location. But, given all the factors, you’ll probably still pay less for your homeowners insurance in Hawaii than you would in the other 49 states.

  • Average Cost of Homeowners Insurance in Hawaii: $400 per year

How to Get the Best Homeowners Insurance in Hawaii

We’ve partnered with some of the top homeowners insurance companies in the state, from the big island to the shores of Kauai, so you can always have options. Simply choose from one of the quotes you receive and pick the policy you want and the price you deserve!
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