Hawaii Landlord Insurance

  • Landlord
  • /
  • Hawaii Landlord Insurance

Owning a rental property in The Aloha State means you’re doing something right in life. Enjoying the beaches, rainforests and many other natural wonders the state offers — while making some rental income on the side — is the epitome of paradise. But you’ll need to protect your investments with a Hawaii landlord insurance policy.

Landlord insurance in Hawaii helps to cover the structure of your rental property, any materials you keep on the property for maintaining it, loss of income and liability concerns from a multitude of covered perils.

It’s more than just protection for your property, though. It’s peace of mind knowing that you’re covered if your tenants accidentally mess up and burn the place down, or Mother Nature sends her wrath upon the great state of Hawaii.

What’s Covered With a Hawaii Landlord Insurance Policy?


This covers the actual structure of your home and the components that make it, such as the roof, siding, windows, countertops and flooring. Since you’re not the one living in the home and taking care of it full time, the landlord’s dwelling coverage should be equal to or a little more than your home’s actual value.

Other Structures

Depending on the type of property you own, other structures coverage may or may not apply. If you rent out a house, this coverage extends to things like fences, sheds, carports and detached garages, and is typically up to 10 percent of the dwelling amount. However, if you’re renting one or a few units in a condo complex, there’s a good chance you won’t own any of these types of coverage and, therefore, don’t truly need it.

Personal Belongings

If you store on the rental property things like a lawnmower, tools for working on the home or other items that directly help you maintain your rental unit, these items would be covered under the personal belongings portion of your landlord policy. Unfortunately, your tenants’ belongings are not covered.

Landlord Liability

It’s a good idea to maintain adequate landlord liability protection in the event one of your tenants or their guest is injured on the property and you’re held liable. This could happen for a number of reasons, including a broken stair that wasn’t repaired or a faulty fix. This coverage helps to pay for medical bills and legal expenses up to your policy’s limits.

What Are Some Extra Hawaii Landlord Coverages to Consider?

Landlord Contents: For those landlords who furnish part or all of their rental properties, there’s an optional landlord contents coverage you’ll want to opt in to. This covers the belongings you keep in the unit, like furniture, electronics and appliances.

Construction: If the building codes change or you’re working on renovations, you’ll want to make sure you have coverage for your rental property that’s under construction. This helps mend the money until the home is ready for occupation again.

Loss of Income: If your rental property is hit by a covered peril and your tenants are forced to temporarily move out of the home, you’re not getting a rent payment each month. Luckily, this can help pay you the money you’re losing out on each month until the home is repaired and tenants are able to move back in.

Burglary & Vandalism: If your rental property is broken into and damaged or vandalized, purchasing additional coverage for burglary and vandalism will quickly become your best friend. This can help repair parts of your home that have been damaged or replace your property that was stolen.

What’s the Average Cost of Hawaii Landlord Insurance?

Like the other home insurance policies in The Aloha State, landlord insurance in Hawaii is well below the national average, coming in at just under $500 per year. Considering the amount of coverage (and peace of mind) you get for this price, that’s incredibly affordable.

  • Average Cost of Landlord Insurance in Hawaii: $480 per year

Compare and Buy the Best Landlord Insurance in Hawaii

From Honolulu and the Island of Hawaii to Maui, Lanai and Kauai, finding the best landlord insurance in Hawaii is simple when you use Clovered’s online quoting tool. Just enter the address of your rental property and we’ll compare quotes and prices from multiple providers in the state to find you a policy with sufficient coverage at an affordable price.

Protect Your Investment With Landlord Insurance

You've worked hard to buy your rental property. Protect it with 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.

Scroll back to Top