Hawaii Homeowners Insurance
Hawaii homeowners pay $1,087 a year for homeowners insurance on average. That's close to the roughly $1,172 national average. That puts Hawaii in the middle of the pack nationally — 26th highest of the 50 states. Volcanic lava zones on Big Island are uninsurable by standard carriers; HPIA provides coverage in high-risk areas. The main factors driving that number are Hurricanes, Volcanic activity, Tsunami and Trade wind storms. Flood risk is moderate; it's worth checking FEMA flood maps for your specific address before deciding whether a separate flood policy makes sense. Homeowners insurance isn't legally mandated in Hawaii, but any mortgage lender will require it as a condition of the loan. Hawaii also runs Hawaii Property Insurance Association, a state-backed option for homeowners who can't find coverage in the standard private market.
Key Risk Factors in Hawaii
- –Impact-resistant windows and a wind mitigation inspection can qualify you for a hurricane/wind discount with most carriers.
- –Standard homeowners policies generally cover volcanic eruption damage, but lava flow and land subsidence are typically excluded — check your policy language.
- –Tsunami damage is treated as flood damage by most carriers, so NFIP or private flood coverage is what actually pays out, not your HO-3.
- –Roof strapping and impact-rated garage doors reduce wind damage risk and often qualify for a mitigation discount.
Coverage Checklist for HI Homeowners
- checkStandard HO-3 policy covering dwelling, personal property, and liability.
- checkSeparate flood policy (NFIP or private) — flood is excluded from all standard home policies.
- checkPersonal umbrella policy ($1M+) to protect assets beyond your HO-3 liability limits.
Official Hawaii Insurance Regulator
For consumer complaints, rate comparisons, and homeowners insurance guides straight from the source, visit the Hawaii Department of Insurance.
Compare Quotes for Hawaii
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