Hawaii Homeowners Insurance

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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.

What’s Covered With a Hawaii Homeowners Insurance Policy?

Homeowners insurance in Hawaii covers the structure of your house, your personal belongings and much more, including unexpected incidents that could occur on your property. While you get to choose the amount of coverage you enroll in, the following six coverages come standard in every 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

Structures on your property that aren’t connected to your househouse fall under this coverage. It includes things like fences, sheds and even satellite dishes. Coverage for these structures is typically up to 10% of the policy’s dwelling maximum.

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 pay to replace things like furniture, electronics, clothes and even items kept on the property, like lawnmowers.

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

This coverage can provide financial protection for accidents that occur on the policyholder’s property, damage to other people’s property and dog bites. It can help pay for medical expenses, legal fees and property damage if the policyholder is deemed liable.

Coverage F: Medical Payments

Similar to personal liability, medical payments to others 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.

Which Perils Are 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.

10 Named Perils Under HO-1:

  1. Vandalism
  2. Theft
  3. Damage caused by vehicles
  4. Damage caused by aircraft
  5. Rioting or civil disturbances
  6. Smoke damage
  7. Fire or lightning
  8. Windstorm or hail, such as a hurricane or tornado
  9. Explosions
  10. Volcanic eruptions

16 Named Perils Under HO-2:

  • (All 10 named perils under HO-1, plus the following)

  1. Frozen pipes
  2. Falling objects
  3. Damage caused by heating, air conditioning or plumbing
  4. Damage due to snow, ice or sleet
  5. Damage from water heater, including cracks, burns or tears
  6. 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.

It's Time to Switch Your Homeowners Insurance

We partner with the nation's top homeowners insurance companies so you can get a custom policy at an affordable price.

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.

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