Home insurance in Hawaii.
Home insurance in Hawaii is near the national average for standard coverage, but the state’s unique perils mean some major risks are carved out into separate policies.
Hawaii at a glance
Avg. premium
$1,431/yr
NAIC 2022, HO-3
vs. national
9% below
U.S. avg $1,569/yr
Main cost driver
Hurricanes & volcanic activity
What pushes rates here
Home insurance in Hawaii is near the national average for standard coverage, but the state’s unique perils mean some major risks are carved out into separate policies.
How much does home insurance cost in Hawaii?
The average homeowner in Hawaii pays $1,431per year for home insurance, that's 9% below the U.S. national average of $1,569/yr. Your own rate depends on your home's rebuild cost, age, construction, location, and claims history.
Hawaii vs the national average
9% below the national average of $1,569/yr.
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
What drives home insurance costs in Hawaii
Standard policies often exclude hurricane and lava/volcanic damage, sold instead as separate coverage. High construction and shipping costs raise rebuild expenses.
What home insurance covers
A standard Hawaiihomeowners (HO-3) policy bundles several coverages. Note what's not included, flood and earthquake always require separate policies.
| Coverage | What it covers | In a standard policy? |
|---|---|---|
| Dwelling (Coverage A) | The structure of your home itself | Core coverage |
| Other structures (B) | Detached garages, fences, sheds | Included |
| Personal property (C) | Your belongings, furniture, electronics, clothes | Included |
| Liability (E) | Injuries to others or damage you’re responsible for | Included |
| Loss of use (D) | Living expenses if your home is uninhabitable | Included |
| Flood / earthquake | Flood and quake damage | Excluded, separate policy |
Homeowners insurance is not legally mandated, but mortgage lenders require it for the life of your loan.
How to lower your home insurance in Hawaii
Rates for the same home can vary widely between insurers in Hawaii, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Bundle home and auto insurance with one carrier
- Harden your home against local risks (impact-resistant roof, storm shutters, defensible space) for discounts
- Improve security, alarms, smoke detectors, water-leak sensors
- Avoid small claims so you keep claims-free discounts
Average premium data last verified June 6, 2026. Source: NAIC. Figures are statewide averages, your quote will differ based on your specific home.
05 / FAQ
Hawaii home insurance FAQs.
Common questions about homeowners insurance in Hawaii.
06 / Get Started
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