The Best Home Insurance in Hawaii for 2025

USAA and Chubb are among the best home insurance companies in Hawaii, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Hawaii.

Below are the insurers that earned 4.5 stars or more in our analysis. Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

» MORE: The best homeowners insurance

The best home insurance companies in Hawaii

Here's more information about the best homeowners insurance companies in Hawaii.

Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the National Association of Insurance Commissioners. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.

Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

» READ MORE: Chubb homeowners insurance review

Allstate offers many ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other, less common options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible for signing up, plus an additional $100 off for each year you go claim-free. And if you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

Cincinnati Insurance sells homeowners policies through independent agents, with various options for standard and high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

Cincinnati may offer you a discount for bundling home and auto insurance, having a newer home or installing a centrally monitored alarm system.

» READ MORE: Cincinnati Insurance homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.

State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.

For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.

» READ MORE: USAA homeowners insurance review

How much does homeowners insurance cost in Hawaii?

The average annual cost of home insurance in Hawaii is $515. That’s 73% less than the national average of $1,915.

In most states, including Hawaii, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Hawaii, those with poor credit pay an average of $540 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 5% more than those with good credit.

» MORE: Does your credit score affect home insurance rates?

Average cost of homeowners insurance in Hawaii by city

Average Hawaii homeowners insurance rates tend to be fairly consistent across the state. For instance, the average cost of home insurance in Honolulu is $515 per year, while homeowners in Hilo pay $540 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

The cheapest home insurance in Hawaii

Here are the insurers we found with average annual rates up to the Hawaii average of $515.

» MORE: The cheapest homeowners insurance

Common risks for Hawaii homeowners

Hawaii’s unique geology brings special considerations for those who own homes there. Here are a few of the more common risks, plus ways to make sure your home is covered against them.

Flooding

Flooding can seriously damage your home, and standard homeowners insurance policies typically won't cover it. As a result, homeowners in high-risk areas may need to buy separate flood insurance to protect themselves financially.

Remember that while you can get flood coverage at any time, there’s often a 30-day waiting period before the insurance takes effect.

» MORE: How to find the best flood insurance

Hurricanes

In Hawaii, homeowners with mortgages are typically required by their lenders to purchase supplemental hurricane insurance in addition to standard home insurance. Once a hurricane watch or warning is issued, hurricane insurance generally kicks in and remains in effect for 72 hours.

Coverage under hurricane insurance varies, so it’s important to read your policy carefully. In general, a hurricane policy will cover damage from wind but not flooding. To make sure your home has the most comprehensive coverage for hurricanes, you’ll need a separate flood insurance policy.

Because hurricane insurance is separate from your homeowners policy, it will have its own deductible, usually a percentage of your dwelling coverage. For example, if your home has $300,000 worth of dwelling coverage and a 5% hurricane deductible, you’ll be responsible for the first $15,000 of damage before your insurance will pay for anything.

Volcanic activity

Coverage for volcanic activity varies, so it’s important to review your homeowners insurance policy to understand what it covers. For instance, some damage caused by lava may be covered as fire damage.

When reviewing your policy, pay attention to your dwelling coverage limit. This is the amount the insurance company will pay to rebuild your house. Volcanic activity could destroy your home, so talk with your insurer to make sure you have enough coverage to rebuild if necessary.

Earthquakes

Standard homeowners insurance policies don't typically cover structural damage due to an earthquake. If you live in an area with higher risk, consider buying additional earthquake insurance.

Earthquake insurance often has a separate deductible, which can be around 5% to 25% of the dwelling coverage on your policy. For example, if you have a 20% deductible on $200,000 of coverage, you would need to pay a $40,000 deductible for earthquake damage before your insurance covers anything.

» MORE: Home insurance calculator: Estimate your rate

Hawaii insurance department

The Hawaii Department of Commerce and Consumer Affairs oversees the insurance industry for the state. Its website provides useful insurance information for consumers, including hurricane preparedness resources and information on lava flow insurance.

This department can help answer your questions about insurance in Hawaii by email at [email protected] or by phone at 808-586-2790. If you have an issue with your insurer, file a complaint with the department using its consumer complaint form.

Amanda Shapland contributed to this story.