Fact CheckedNerdy takeaways
Chubb is the top-rated insurer in Hawaii, offering the best coverage for high-value homes.
State Farm offers the best value, with rates below the state average.
Cincinnati Insurance draws a low rate of consumer complaints.
Allstate has the best digital tools.
USAA is our top pick for military families.
Living in paradise comes with risks, including hurricanes, volcanoes and tsunamis. Homeowners in Hawaii should take steps to insure their homes against these risks. To help you find the best home insurance in Hawaii, we analyzed data from insurance companies across the state.
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. Even if an insurer serves your state, it may not write policies for all homes in all areas.
The best home insurance companies in Hawaii
Below are more details about the best homeowners insurance companies in Hawaii.
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.
BEST COVERAGE FOR HIGH-VALUE HOMES
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Why it’s worth a look: Chubb’s policies are designed for affluent homeowners. They include generous coverage for your home and belongings, with high limits available. For example, you may be able to get up to $100 million of personal liability coverage in case someone sues you.
Standout feature: Chubb policyholders may be eligible for the company’s HomeScan service. It uses infrared cameras to look for problems behind the walls of your home.
Average rates: Not available.
» READ MORE: Chubb homeowners insurance review
best value
State Farm
- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Below average for claim satisfaction in a recent J.D. Power study.
Why it’s worth a look: State Farm had the most affordable rates of all our top companies in Hawaii. But State Farm’s low prices don’t mean you have to sacrifice coverage. Its policies generally include extra coverage in case it costs more than expected to rebuild your home.
Standout feature: Unlike many other home insurers, State Farm won’t ask what breed of dog you own when deciding whether to offer you a policy. Because homeowners policies cover liability claims related to dog bites, some companies won’t insure homes with breeds they consider dangerous. State Farm will insure any breed.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $660 |
$400,000 | $810 |
$500,000 | $960 |
$600,000 | $1,100 |
$700,000 | $1,240 |
» READ MORE: State Farm homeowners insurance review
fewest complaints
Cincinnati Insurance
- Various coverage options.
- Far fewer complaints than expected for a company of its size.
- Coverage available for higher-value homes.
- No online quotes.
- Very little information on website.
Why it’s worth a look: Cincinnati Insurance had one of the lowest rates of consumer complaints among all the companies we review. The company sells policies through independent insurance agents, who can help you find the right coverage for your home.
Standout feature: The company values environmental sustainability and works out of a LEED-certified headquarters in Fairfield, Ohio. You may be able to add a “green upgrade” endorsement to your policy. This add-on will pay to repair or rebuild your home with eco-friendly materials after a claim.
Average rates: Not available.
» READ MORE: Cincinnati homeowners insurance review
best digital tools
Allstate
- Lots of discounts to help you save.
- Home-sharing coverage available.
- Many ways to customize your coverage.
- Ranked below average for consumer satisfaction in recent J.D. Power studies.
Why it’s worth a look: Allstate makes it easy to manage your policy online. You can use the website to get quotes, pay bills, file claims and get policy info. The app also has useful features, including a tool that estimates your home’s climate risk.
Standout feature: You may be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards. It takes $100 off your deductible when you sign up, plus another $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $725 |
$400,000 | $940 |
$500,000 | $1,160 |
$600,000 | $1,375 |
$700,000 | $1,655 |
» READ MORE: Allstate homeowners insurance review
BEST FOR MILITARY FAMILIES
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Fewer customer complaints to state regulators than expected for a company of its size.
- Perks for military homeowners.
- Available only to active military members, veterans, some federal employees and their families.
Why it’s worth a look: USAA’s homeowners policies come with perks for the military community. For instance, the company doesn’t charge a deductible for damage to your military uniforms or equipment while you’re deployed. USAA policies are available to active military, veterans, some federal workers and their families.
Standout feature: USAA’s policies include identity theft coverage to help you recover after a cyber incident. Many companies charge extra for this coverage.
Average rates: Not available.
» READ MORE: USAA homeowners insurance review
Other top home insurance companies in Hawaii
These home insurance providers are also worth a look.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Auto Club of SoCal (AAA) | Not available | |
Not available | ||
Not available |
How much does homeowners insurance cost in Hawaii?
The average cost of homeowners insurance in Hawaii is $1,095 per year, or about $91 per month. That's 64% less expensive than the national average of $3,005 per year for the same amount of coverage.
These rates are based on a sample home insurance policy with $500,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Did you know...
The dwelling coverage limit on your policy should be the amount it would take to rebuild your home, based on the cost of labor and construction in your area. It won't necessarily be the price you paid for the house or how much you could sell it for now. Use our calculator to estimate your home's rebuilding cost.
The median rebuilding cost for Hawaii homes is $505,650, according to data from First Street, a climate risk modeling firm.
Below are the average rates for policies with various dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $660 |
$400,000 | $900 |
$500,000 | $1,095 |
$600,000 | $1,325 |
$700,000 | $1,565 |
The rates above are for homeowners with good credit. In Hawaii, policyholders with poor credit pay an average of $1,150 per year — an increase of 5%.
The cheapest home insurance in Hawaii
Here are the insurers we found with the cheapest rates for a variety of dwelling coverage limits.
Company
NerdWallet star rating
Average annual rate
Island Insurance
Not rated
$660
$660
$725
First Insurance Company of Hawaii
Not rated
$760
Company
NerdWallet star rating
Average annual rate
DB Insurance
Not rated
$415
$810
Island Insurance
Not rated
$900
$940
First Insurance Company of Hawaii
Not rated
$1,040
Company
NerdWallet star rating
Average annual rate
DB Insurance
Not rated
$525
$960
Island Insurance
Not rated
$1,145
$1,160
First Insurance Company of Hawaii
Not rated
$1,370
Company
NerdWallet star rating
Average annual rate
DB Insurance
Not rated
$635
$1,100
$1,375
Island Insurance
Not rated
$1,385
First Insurance Company of Hawaii
Not rated
$1,740
Company
NerdWallet star rating
Average annual rate
DB Insurance
Not rated
$745
$1,240
Island Insurance
Not rated
$1,625
$1,655
First Insurance Company of Hawaii
Not rated
$2,110
Common discounts
Make sure to ask your home insurance company about any discounts you may be eligible for. Here are some of the most common:
Many insurers offer savings if you buy more than one policy, such as home and car insurance. See our picks for the best home and auto insurance bundles.
Got a burglar alarm, smoke detectors or a smart device that alerts you if you have a leak? Safety and security features like these could earn you a discount.
Sign up for paperless billing or set your premiums to autopay, and you could get a discount.
Many insurance companies give discounts to customers who’ve gone a certain number of years without filing a home insurance claim.
Some insurers offer discounts to new policyholders or reward those who’ve stuck around for a while.
Teachers, doctors, members of the military and others may be eligible for discounts from certain insurers.
Learn more about common home insurance discounts.
Common Hawaii home insurance problems
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. Flash flooding, tsunamis and hurricanes can all cause water damage to your home in Hawaii. A standard home insurance policy doesn’t cover these types of flood damage, so you may want to consider buying flood insurance. While you can get coverage at any time, there’s often a 30-day waiting period before it takes effect.
To check your flood risk, start with the federal government’s flood maps. However, these maps don’t always capture all types of flood risk. You may want to check another source such as First Street, a company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating.
Hurricanes. If you have a mortgage in Hawaii, you’ll typically have to buy 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.
In general, a hurricane policy will cover damage from wind but not flooding. For the most comprehensive hurricane coverage, you’ll need a separate flood insurance policy.
Wildfires. Once rare in Hawaii, wildfires have grown more common in the past 20 years, including the devastating Lahaina fire of 2023. Homeowners insurance covers fire damage, but you’ll want to be sure you have enough dwelling coverage to rebuild if your home is destroyed.
Volcanoes. The biggest eruption risk is on the Big Island, which has four active volcanoes. Coverage for volcanic activity varies, so it’s important to review your home insurance policy to understand what it covers. For instance, some damage caused by lava may be covered as fire damage.
Earthquakes. Thousands of earthquakes occur in Hawaii each year, though most are minor. Standard homeowners insurance policies don't cover earthquake damage, so you may want to buy additional coverage.
Earthquake insurance often has a high deductible, ranging from 10% 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 for $40,000 of earthquake damage before your insurance covers anything.
Common optional coverage
A standard homeowners policy can sometimes fall short, so it's worth looking for ways to make it more comprehensive. For example, we recommend asking if your insurer offers extended or guaranteed replacement cost coverage for your home. These add-ons give you extra dwelling coverage in case it costs more than you expect to rebuild your home after a disaster. Having this coverage can be a useful hedge against inflation.
Here are a few additional types of coverage you may want to buy.
Floods are the most common weather disaster in the U.S. and can happen anywhere, not just coastal areas. You can buy flood insurance through the federal government or from private companies. Learn whether you need flood insurance.
Consider buying earthquake insurance if you live in an at-risk area.
Homeowners policies generally won’t cover damage if a drain backs up into your home or your sump pump fails. Adding water backup coverage can help with these issues.
Homeowners policies may cover your stuff on an actual cash value or replacement cost basis. With actual cash value, the policy will pay less for older items that have lost value over time. To get enough of a claim payout to buy brand-new items, opt for replacement cost coverage.
If you have expensive jewelry, fine art or other valuables, you may need extra insurance for them. Learn more about scheduled personal property coverage.
Service line coverage pays to fix damaged water, gas, sewer or other underground lines on your property.
If your HVAC system or another major appliance fails, equipment breakdown coverage can help pay for repairs.
Hawaii Property Insurance Association
Hawaiian homeowners struggling to get coverage may be able to get help from the Hawaii Property Insurance Association (HPIA). To apply, you’ll have to follow a few rules such as:
You must have been declined by two or more private residential property insurers.
The property must be used only for private, residential purposes.
You’ll have to work with an agent to get a policy.
HPIA policies are capped at $450,000 of coverage. The association doesn’t cover vacant or abandoned properties.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Hawaii insurance department
The Hawaii Department of Commerce and Consumer Affairs oversees the state’s insurance industry. Its website has advice for consumers, including tips on hurricane prep and lava flow insurance.
This agency can answer your insurance questions by email at insurance@dcca.hawaii.gov or by phone at 844-808-3222. If you have an issue with your insurer, you can file a complaint using the department’s online form.
How we review home insurance
Our editorial team considers these factors when rating homeowners insurance companies:
This part of our star rating is based largely on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. When available, we also include each company’s performance in the most recent J.D. Power Home Insurance Study. Other factors in our consumer experience score include customer-friendly features such as online claims filing and quotes.
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
Companies score higher if they offer many common endorsements and include more comprehensive coverage in their standard plans. In particular, we look at features such as extended coverage for the structure of your home and replacement cost coverage for personal belongings.
We evaluate how many of the most common home insurance discounts each company offers.
See our complete homeowners insurance rating methodology.
Frequently asked questions
Homeowners insurance isn't required by Hawaii state law. However, your lender may require you to buy home insurance. For more information, read Is Homeowners Insurance Required?
There are several ways to save money on Hawaii home insurance:
Shop around to make sure you’re getting the best rate.
Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.
Bundle your home and auto insurance for a lower overall rate. See the best home and auto insurance bundles.
Ask your insurer if you qualify for any home insurance discounts.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.NBC News. This is not a Lahaina problem’: Once unthinkable, frequent fires are Hawaii’s new normal.. Accessed Mar 16, 2026.
- 2.U.S. Geological Survey. Hazards. Accessed .
- 3.U.S. Geological Survey. About Earthquakes in Hawaii. Accessed .
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts, claims process and website functionality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in ZIP codes across all 50 states and Washington, D.C. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$500,000 in dwelling coverage.
$50,000 in other structures coverage.
$250,000 in personal property coverage.
$100,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
In select states, we added a single wind damage claim to see rates for homeowners with a claim on their record.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Rebuilding cost methodology
The median home rebuilding cost referenced above is based on 2025 replacement cost data from First Street, a climate risk modeling firm. Actual replacement costs may vary based on factors like location, square footage, construction materials, the age of your home and local labor costs.
