{"id":324629,"date":"2025-11-11T19:34:03","date_gmt":"2025-11-12T00:34:03","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=88002"},"modified":"2025-11-11T19:34:03","modified_gmt":"2025-11-12T00:34:03","slug":"best-in-hawaii","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-hawaii\/","title":{"rendered":"The Best Hawaii Homeowners Insurance Company"},"content":{"rendered":"\n<p>The five insurance providers that we looked to find the best homeowner insurance in Hawaii included two major players in the industry (Allstate and State Farm) as well as several regional carriers. In 2025, Hawaii\u2019s homeowners market still blends national brands with local carriers and a limited last\u2011resort option for high lava\u2011risk areas. Standard HO\u20113 coverage is actively offered by State Farm, Allstate and other national carriers alongside local companies such as First Insurance Company of Hawaii and DTRIC, with availability varying by island and ZIP code. Post\u2011wildfire underwriting is tighter in higher\u2011risk locations, and percentage hurricane deductibles (commonly 2%\u20135% of Coverage A) remain typical across the islands, per the <a href=\"https:\/\/cca.hawaii.gov\/ins\/consumers\/homeowners\/\">Hawaii Insurance Division<\/a>. For homes in Lava Hazard Zones 1\u20132 on Hawai\u2018i Island, the <a href=\"https:\/\/www.hpiainfo.com\/\">Hawaii Property Insurance Association (HPIA)<\/a> continues to serve as a market of last resort when the voluntary market won\u2019t quote. These realities, plus current consumer guidance from sources like <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, should help you compare quotes and select the best fit for your situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Five Best Homeowners Insurance Companies in Hawaii&nbsp;<\/strong><\/h2>\n\n\n\n<ul><li><a href=\"#allstate\">Allstate<\/a> &#8211; Best for New Homebuyers<\/li><li><a href=\"#state\">State Farm<\/a> &#8211; Best Web Experience<\/li><li><a href=\"#first\">First Insurance Company of Hawaii<\/a> &#8211; Best for Local Agents<\/li><li><a href=\"#hawaiian\">Hawaiian Insurance and Guaranty Company<\/a> &#8211; Best for Discounts<\/li><li><a href=\"#universal\">Universal North American Insurance<\/a> &#8211; Best for Customer Service<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Compare Hawaii\u2019s Best Insurance Companies<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td>&nbsp;<\/td><td><strong>Reviews.com Score<\/strong><\/td><td><strong>Average Price<\/strong><\/td><td><strong>AM Best Financial Strength<\/strong><\/td><td><strong>J.D. Power Overall Customer Satisfaction<\/strong><\/td><\/tr><tr><td><strong>Allstate<\/strong><\/td><td>4<\/td><td>Quote required; island\/ZIP and hurricane deductible affect price (2025 property premiums trending up mid\u2011single digits per <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a>)<\/td><td><a href=\"https:\/\/web.ambest.com\/ratings\/guide\">Verify on AM Best<\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">See latest J.D. Power<\/a><\/td><\/tr><tr><td><strong>State Farm<\/strong><\/td><td>3.75<\/td><td>Quote required; island\/ZIP and hurricane deductible affect price (2025 property premiums trending up mid\u2011single digits per <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a>)<\/td><td><a href=\"https:\/\/web.ambest.com\/ratings\/guide\">Verify on AM Best<\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">See latest J.D. Power<\/a><\/td><\/tr><tr><td><strong>First Insurance Co. of Hawaii<\/strong><\/td><td>N\/A<\/td><td>Quote required; local underwriting varies by island and construction<\/td><td><a href=\"https:\/\/web.ambest.com\/ratings\/guide\">Verify on AM Best<\/a><\/td><td>N\/A<\/td><\/tr><tr><td><strong>Hawaiian Insurance &amp; Guaranty Co.<\/strong><\/td><td>N\/A<\/td><td>Quote required; local underwriting varies by island and construction<\/td><td><a href=\"https:\/\/web.ambest.com\/ratings\/guide\">Verify on AM Best<\/a><\/td><td>N\/A<\/td><\/tr><tr><td><strong>Universal North American Insurance Co.<\/strong><\/td><td>N\/A<\/td><td>Quote required; pricing varies by risk profile and hurricane deductible<\/td><td><a href=\"https:\/\/web.ambest.com\/ratings\/guide\">Verify on AM Best<\/a><\/td><td>N\/A<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n            <span class=\"b-toc-anchor\" id=\"new-homebuyers\" title=\"Best for New Hombuyers\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Allstate<\/h3>\n\n\n\n<p>Allstate remains active in Hawaii\u2019s standard market and offers HO\u20113 policies with common percentage hurricane deductibles (often 2%\u20135%) and a wide set of discounts and digital tools. Availability and pricing vary by island, ZIP, and mitigation features (e.g., hurricane clips\/straps, roof condition). Before binding, confirm perils, triggers and deductibles using the <a href=\"https:\/\/cca.hawaii.gov\/ins\/consumers\/homeowners\/\">Hawaii Insurance Division<\/a> guidance and compare quotes alongside other active carriers noted by <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>.<\/p>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for New Homebuyers<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate may be a great choice for some new homebuyers, as it provides an informative website, a diverse range of coverage offerings, and a multitude of discounts \u2014 some of which are specifically for new home buyers.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Verify on AM Best<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See latest J.D. Power<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate may be a great choice for some new homebuyers, as it provides an informative website, a diverse range of coverage offerings, and a multitude of discounts \u2014 some of which are specifically for new home buyers.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Diverse discount opportunities (e.g., wind mitigation, multi\u2011policy)<\/li>\n                            <li>User-focused website and digital tools<\/li>\n                            <li>Active Hawaii underwriting with percentage hurricane deductible options<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Separate hurricane deductibles can increase out\u2011of\u2011pocket costs<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Early signing discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Homebuyer discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Wind mitigation (e.g., hurricane clips\/straps) and smart\u2011home water shutoff\/alarms<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Multiple hurricane deductible options (often 2%\u20135% of Coverage A) \u2014 ask how the deductible is triggered and priced. 2025 property premiums are rising mid\u2011single digits nationally per <\/span><a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a><span style=\"font-weight: 400;\">; compare quotes and mitigation credits.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power<\/a> U.S. Home Insurance studies use a 1,000-point scale; check the latest statewide and national scores before you buy.<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on Allstate:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate homeowners insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\">Allstate renters insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate auto insurance review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"web-experience\" title=\"Best Web Experience\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">State Farm<\/h3>\n\n\n\n<p>State Farm continues to write HO\u20113 coverage in Hawaii through a large agent network and online tools. Expect separate hurricane\/wind percentage deductibles and tighter underwriting in wildfire\u2011exposed areas following recent events. Compare quotes across islands and ask about mitigation credits and deductible options, using state consumer tips from the <a href=\"https:\/\/cca.hawaii.gov\/ins\/consumers\/homeowners\/\">Hawaii Insurance Division<\/a> and market overviews from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>.<\/p>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Web Experience<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm is a national insurer with some of the strongest third-party ratings for customer satisfaction and financial strength. Additionally, it offers a detailed quote tool and an informative platform for insurance information to users who prefer a tech-forward insurance experience.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">3.75<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Verify on AM Best<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See latest J.D. Power<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm is a national insurer with some of the strongest third-party ratings for customer satisfaction and financial strength. Additionally, it offers a detailed quote tool and an informative platform for insurance information to users who prefer a tech-forward insurance experience.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Financially stable national brand; strong catastrophe resources<\/li>\n                            <li>Detailed online quote tool and mobile app<\/li>\n                            <li>Wide agent network across the islands<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Fewer discretionary discounts than some rivals<\/li>\n                                    <li>Separate hurricane deductibles may be higher in some areas<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discount available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Fire, smoke, or burglar alarms discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Wind mitigation \/ fortified roof discount (location\/eligibility dependent)<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Digital self\u2011service for quotes, billing and claims; ask how hurricane deductible triggers apply (e.g., named storm, watches\/warnings), per <\/span><a href=\"https:\/\/cca.hawaii.gov\/ins\/consumers\/homeowners\/\">state guidance<\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on State Farm: <\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm Homeowners Insurance Review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-state-farm\/\">Geico vs. State Farm<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm auto Insurance review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"local-agents\" title=\"Best for Local Agents\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">First Insurance of Hawaii<\/h3>\n\n\n\n<p>First Insurance of Hawaii (FICOH) is a longstanding local carrier with agent distribution and knowledge of island building practices and hazards. Homeowners value local claims handling and familiarity with hurricane deductibles and wildfire defensible\u2011space expectations. Availability and pricing vary by island; verify financial strength directly and consult an agent for eligibility and options through <a href=\"https:\/\/www.ficoh.com\/\">FICOH<\/a> and other local\/national writers.<\/p>\n\n\n                                                \n\n\n<section id=\"first-insurance-company-of-hawaii\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">First Insurance Company of Hawaii<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Local Agents<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                First Insurance Company of Hawaii made our list because it is a regional company with agents familiar with the local risks and hazards homeowners face. Coverage customization may be limited, but its rates are on the more competitive end for the area, based on our review of quoted premiums. While its website is not the most informative, and the company is not large enough to rank in J.D. Power studies, homeowners may be happy to know the company does receive an A+ (Superior) rating from AM Best for financial strength.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.ficoh.com\/?rvitemid=337683-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Verify on AM Best<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                First Insurance Company of Hawaii made our list because it is a regional company with agents familiar with the local risks and hazards homeowners face. Coverage customization may be limited, but its rates are on the more competitive end for the area, based on our review of quoted premiums. While its website is not the most informative, and the company is not large enough to rank in J.D. Power studies, homeowners may be happy to know the company does receive an A+ (Superior) rating from AM Best for financial strength.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Local claims presence and island\u2011specific expertise<\/li>\n                            <li>Agent distribution for tailored guidance<\/li>\n                            <li>Active homeowners offering in Hawaii (subject to underwriting)<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Fewer online self\u2011service resources than national brands<\/li>\n                                    <li>Discount\/menu breadth can be narrower than large carriers<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discount available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Renewal \/ claim\u2011free discounts (eligibility varies)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Protective device and wind mitigation credits (where available)<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Local underwriting insight for hurricane and wildfire exposures; independent agents can quote multiple carriers including FICOH and national brands (see <\/span><a href=\"https:\/\/www.ficoh.com\/\">FICOH<\/a><span style=\"font-weight: 400;\">). For Lava Zones 1\u20132, discuss last\u2011resort options with <\/span><a href=\"https:\/\/www.hpiainfo.com\/\">HPIA<\/a><span style=\"font-weight: 400;\"> if voluntary markets won\u2019t quote.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"discounts\" title=\"Best for Discounts\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\"> Hawaiian Insurance and Guaranty Company<\/h3>\n\n\n\n<p>Hawaiian Insurance and Guaranty Company has deep roots in the islands and works through local agents to tailor coverage. Expect underwriting that reflects local hurricane and wildfire risk, with percentage hurricane deductibles standard. Ask about protective device, wind mitigation and new\u2011home credits to offset 2025\u2019s mid\u2011single\u2011digit property premium trend noted by the <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS<\/a>.<\/p>\n\n\n                                                \n\n\n<section id=\"hawaiian-insurance-and-guaranty-company\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Hawaiian Insurance and Guaranty Company<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                As one of the oldest insurance companies in the state, Hawaiian Insurance and Guaranty is a company familiar with the challenges Hawaiian homeowners face. Homeowners may be able to expect a very personalized and informed experience, whether obtaining a quote or handling a claim. The insurance provider also has an extensive list of discounts available, which could save you on premiums, which are higher, on average.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?refer=Homeowners_HI&#038;rvitemid=343961-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Verify on AM Best<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                As one of the oldest insurance companies in the state, Hawaiian Insurance and Guaranty is a company familiar with the challenges Hawaiian homeowners face. Homeowners may be able to expect a very personalized and informed experience, whether obtaining a quote or handling a claim. The insurance provider also has an extensive list of discounts available, which could save you on premiums, which are higher, on average.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Extensive discount list via local agents<\/li>\n                            <li>Experience underwriting Hawaii perils<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Premiums can be higher in some risk pockets<\/li>\n                                    <li>Digital experience less robust than national brands<\/li>\n                                    <li>Confirm current financial strength and underwriting appetite<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Security systems and water\u2011leak\/automatic shutoff devices<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loss\u2011free \/ newly purchased home \/ superior construction (where eligible)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Union\/affinity group (if applicable)<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Local service and an emphasis on wind and wildfire readiness; ask about defensible space and roof upgrades for potential credits, as encouraged by current market guidance (<\/span><a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"customer-service\" title=\"Best for Customer Service\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Universal North American Insurance Co.<\/h3>\n\n\n\n<p>Universal North American continues to operate as a smaller writer in Hawaii\u2019s market. Pricing competitiveness depends on island, risk profile, and deductible selection, and many homeowners have seen property premiums rise since 2022 due to catastrophe losses and reinsurance costs (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a>; <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA billion\u2011dollar disasters<\/a>). Verify current financial strength directly with <a href=\"https:\/\/web.ambest.com\/ratings\/guide\">AM Best<\/a> and compare quotes.<\/p>\n\n\n                                                \n\n\n<section id=\"universal-north-american-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Universal North American Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Service<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Universal North American Insurance Company lacks a modern website, but homeowners do have access to 24\/7 customer service. However, what Hawaiian homeowners may find most attractive are the highly competitive rates we found \u2014 as low as $250 per year for $200,000 in dwelling coverage, according to data from Coverage.com.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?refer=Homeowners_HI&#038;rvitemid=343963-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Verify on AM Best<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Universal North American Insurance Company lacks a modern website, but homeowners do have access to 24\/7 customer service. However, what Hawaiian homeowners may find most attractive are the highly competitive rates we found \u2014 as low as $250 per year for $200,000 in dwelling coverage, according to data from Coverage.com.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>24\/7 customer service<\/li>\n                            <li>Online claim tool<\/li>\n                            <li>Potentially competitive quotes depending on risk profile<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Website usability can be limited<\/li>\n                                    <li>Discount and coverage menus may be narrower than larger brands<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Paperless billing discount<\/span><\/p>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">24\/7 service and basic digital claims intake; confirm perils and hurricane deductible triggers match lender needs and state guidance (<\/span><a href=\"https:\/\/cca.hawaii.gov\/ins\/consumers\/homeowners\/\">Hawaii Insurance Division<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide to Hawaii Homeowners Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>Average Cost of Homeowners Insurance in Hawaii<\/strong><\/h2>\n\n\n\n<p>There is no single statewide \u201caverage\u201d that reliably applies to every island or ZIP code, and recent events have pushed prices higher. Nationally, homeowners\/renters insurance premiums rose at mid\u2011single\u2011digit rates in 2025 according to the <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS \u201ctenants\u2019 and household insurance\u201d CPI<\/a>, and 2024 saw a record <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">28 U.S. billion\u2011dollar weather disasters<\/a>, which keeps property pricing elevated. In Hawaii, premiums still tend to be lower than many mainland coastal or wildfire states, but your price depends heavily on island\/ZIP, construction, roof age, loss history, and the hurricane deductible you select (commonly 2%\u20135% of Coverage A per <a href=\"https:\/\/cca.hawaii.gov\/ins\/consumers\/homeowners\/\">state guidance<\/a>). Sources such as <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> recommend comparing multiple quotes, especially across local and national carriers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Home insurance add-ons that will further protect you<\/strong><\/h2>\n\n\n\n<p>Because the island state is prone to tropical storms and hurricanes, Hawaii homeowners will likely be advised by insurers to acquire <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/your-home-insurance-doesnt-cover-flooding-and-more-hurricanes-are-coming\/\">flood insurance<\/a>, and in some parts of the state, it may even be required due to risk. While not typically included in a standard home insurance policy, homeowners insurance companies may partner with flood insurance providers to offer this, or will facilitate the purchase through a government program such as the <a class=\"achor-toggles\" href=\"https:\/\/www.fema.gov\/flood-insurance\">National Flood Insurance Program<\/a>. Alternatively, you may be able to find flood insurance from a private company, separate from your home insurer.\u00a0 In 2024\u20132025, carriers also emphasized resilience\u2011focused add\u2011ons like water backup, service line, equipment breakdown\/home systems, ordinance or law, extended or guaranteed replacement cost, wildfire mitigation credits (defensible space, Class A\/fortified roof), and even personal cyber\/identity endorsements \u2014 modular options that many insurers now offer, according to industry analyses (<a href=\"https:\/\/www.marsh.com\/us\/services\/insights\/global-insurance-market-index.html\">Marsh Global Insurance Market Index<\/a>; <a href=\"https:\/\/www.swissre.com\/institute\/research\/sigma-research\/natural-catastrophes.html\">Swiss Re Institute sigma<\/a>).<\/p>\n\n\n\n<p>According to the <a href=\"https:\/\/www.usgs.gov\" class=\"achor-toggles\">U.S. Geological Survey<\/a>, Hawaii experiences thousands of earthquakes every year. Most of the seismic activity is imperceptible and is caused by magma movement from volcanoes. But the earthquake record for the state shows an average of one magnitude 6 or greater earthquake every 10 years, so you might want to get this coverage added to your policy. Most homeowners insurance policies exclude <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/is-earthquake-insurance-worth-it\/\" class=\"achor-toggles\">earthquake coverage <\/a>in their basic policies, which means that you may have to pay extra to get this added protection. For flood, FEMA\u2019s Risk Rating 2.0 uses property\u2011specific factors and phases in risk\u2011based NFIP premiums with most annual increases capped, as outlined in <a href=\"https:\/\/www.fema.gov\" class=\"achor-toggles\">FEMA\u2019s state profile<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Cheapest Homeowner Insurance Companies in Hawaii<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average annual rate for $200K in dwelling coverage\u00a0<\/strong><\/td><\/tr><tr><td>Universal North American Insurance Company<\/td><td>Get quote; pricing varies by island\/ZIP and hurricane deductible<\/td><\/tr><tr><td>Allstate&nbsp;<\/td><td>Get quote; pricing varies by island\/ZIP and hurricane deductible<\/td><\/tr><tr><td>First Insurance Company of Hawaii<\/td><td>Get quote; local underwriting varies by island and construction<\/td><\/tr><tr><td>Hawaiian Insurance &amp; Guaranty Company<\/td><td>Get quote; local underwriting varies by island and construction<\/td><\/tr><tr><td>State Farm<\/td><td>Get quote; pricing varies by island\/ZIP and hurricane deductible<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Cost of Homeowners Insurance by Age of Home<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Age of Home (years)<\/strong><\/td><td><strong>Average annual rate for $200K in dwelling coverage<\/strong><\/td><\/tr><tr><td>0-10<\/td><td>Get quote; newer construction often qualifies for mitigation credits<\/td><\/tr><tr><td>10-25<\/td><td>Get quote; price influenced by roof age and wind\/hurricane features<\/td><\/tr><tr><td>25-50<\/td><td>Get quote; updates to roof\/electrical\/plumbing can affect eligibility<\/td><\/tr><tr><td>50+<\/td><td>Get quote; condition and upgrades drive pricing and deductibles<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Top 3 Cheapest Homeowners Insurance Companies in Hawaii<\/strong><\/h2>\n\n\n\n<ul><li><strong>Universal North American Insurance \u2013<\/strong> Include in your quote set; pricing depends on island\/ZIP and selected hurricane deductible (2025 property premiums trending up mid\u2011single digits per <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a>)<\/li><li><strong>Allstate \u2013<\/strong> Competitive for many primary residences with bundling and wind\u2011mitigation credits; verify deductible triggers per <a href=\"https:\/\/cca.hawaii.gov\/ins\/consumers\/homeowners\/\">state guidance<\/a><\/li><li><strong>First Insurance Company of Hawaii\u2013<\/strong> Local underwriting and claims presence; worth quoting alongside national carriers (<a href=\"https:\/\/www.ficoh.com\/\">FICOH<\/a>)<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Top 2 Most Expensive Homeowners Insurance Companies in Hawaii<\/strong><\/h2>\n\n\n\n<ul><li><strong>Hawaiian Insurance &amp; Guaranty Company \u2013<\/strong> Pricing reflects local risk and coverage; ask about discounts and mitigation credits to offset costs<\/li><li><strong>State Farm \u2013<\/strong> Premiums and hurricane deductibles vary by risk profile; compare quotes and deductible options across carriers<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Resources Helpful for Hawaii Homeowners\u00a0<\/strong><\/h2>\n\n\n\n<p>Different local communities in Hawaii offer home rehabilitation loan programs, such as the one offered by the <a href=\"https:\/\/www.honolulu.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Honolulu city and county Community Assistance Division<\/a>. Residents may be able to take advantage of these opportunities to help protect their homes for the future. For first-time home buyers looking to acquire a residence, the <a href=\"https:\/\/dbedt.hawaii.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Hula Mae Mortgage Loan Program<\/a> may help individuals or families who qualify acquire a 30-year mortgage at extremely low rates. In addition, homeowners can look for federally funded repair and resilience programs administered locally, including HUD\u2019s <a href=\"https:\/\/www.hud.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Community Development Block Grant (CDBG)<\/a> home repair efforts and the U.S. DOE\u2019s <a href=\"https:\/\/www.energy.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Home Energy Rebates<\/a> rolling out across states. For insurance availability and disaster guidance (including wildfire resources and hurricane backstops), see the <a href=\"https:\/\/cca.hawaii.gov\/ins\/consumers\/homeowners\/\">Hawaii Insurance Division<\/a> and background on the state\u2019s <a href=\"https:\/\/hhrf.hawaii.gov\/\">Hawaii Hurricane Relief Fund (HHRF)<\/a> framework.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Homeowners Insurance FAQs\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>Homeowners Insurance FAQ<\/strong><\/h2>\n\n\n<div id=\"block_5e94728524c53\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in Hawaii?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Homeowners insurance is not legally required in Hawaii. However, it is a requirement for almost every lender if you want to get a mortgage. Lenders may also require separate coverages or endorsements (e.g., flood in high\u2011risk areas, specific hurricane deductible terms). See the <\/span><a href=\"https:\/\/cca.hawaii.gov\/ins\/consumers\/homeowners\/\">Hawaii Insurance Division\u2019s homeowner guide<\/a><span style=\"font-weight: 400;\"> for shopping tips and deductible explanations.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5e9472a824c54\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest homeowners insurance in Hawaii?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The lowest premium depends on your island, ZIP code, construction, roof age, loss history, and hurricane deductible (often 2%\u20135% of Coverage A). 2025 property premiums are rising mid\u2011single digits nationally per the <\/span><a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a><span style=\"font-weight: 400;\">. Compare quotes from national and local carriers active in Hawaii \u2014 for example State Farm, Allstate, Farmers, USAA (if eligible), Liberty Mutual\/Safeco, First Insurance Company of Hawaii, and DTRIC \u2014 as highlighted by <\/span><a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a><span style=\"font-weight: 400;\">, and ask about wind\u2011mitigation credits to reduce costs.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5e9472c624c55\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Should I get flood insurance if I live in Hawaii?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">If you live at sea level or on the coast of Hawaii, then you may be required to have flood insurance. Depending on where you live, it may not be required, but insurers will likely recommend you consider adding flood insurance to your homeowners insurance policy. Under <\/span><a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\/state-profiles\">FEMA\u2019s Risk Rating 2.0<\/a><span style=\"font-weight: 400;\">, NFIP premiums are increasingly property\u2011specific and phase in with caps on most annual increases; private flood options may also be available.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f8dec50965e1\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is volcano insurance real for Hawaiian homeowners?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Volcanic and seismic perils are unique in Hawaii. Standard homeowners insurance typically excludes earthquake, and treatment of lava\/volcanic damage varies by form \u2014 many policies require endorsements or specialty coverage. If your property is in high volcanic hazard areas (Lava Zones 1\u20132 on Hawai\u2018i Island), the <\/span><a href=\"https:\/\/www.hpiainfo.com\/\">Hawaii Property Insurance Association (HPIA)<\/a><span style=\"font-weight: 400;\"> provides basic property coverage as a market of last resort when private coverage isn\u2019t available; hurricane\/wind may need to be arranged separately. Review your policy or check with your agent to confirm covered perils and endorsements.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>Methodology<\/strong><\/h2>\n\n\n\n<p>We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:<\/p>\n\n\n\n<ul><li><strong>Customer Ratings \u2014<\/strong> Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings and verified the latest study outcomes via <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power press releases<\/a>.<\/li><li><strong>Coverage \u2014<\/strong> As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options and add-ons available, with emphasis on 2024\u20132025 resilience and prevention endorsements (e.g., service line, water backup, extended\/guaranteed replacement cost, wildfire mitigation, personal cyber) highlighted by <a href=\"https:\/\/www.marsh.com\/us\/services\/insights\/global-insurance-market-index.html\">Marsh<\/a> and <a href=\"https:\/\/www.swissre.com\/institute\/research\/sigma-research\/natural-catastrophes.html\">Swiss Re<\/a>.\u00a0<\/li><li><strong>Confidence \u2014<\/strong> It is extremely important for insurance companies to fulfill customers\u2019 claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best\u2019s ratings and guidance, and we instruct readers to <a href=\"https:\/\/web.ambest.com\/ratings\/guide\">verify current ratings and outlooks<\/a>, which can change after catastrophe losses.<\/li><li><strong>Customer Experience \u2014<\/strong> The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index and paired it with state consumer guidance from the <a href=\"https:\/\/cca.hawaii.gov\/ins\/consumers\/homeowners\/\">Hawaii Insurance Division<\/a>. We also incorporate macro pricing context from the <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a> and disaster frequency from <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a> to frame 2025 property trends.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The five insurance providers that we looked to find the best homeowner insurance in Hawaii included two major players in the industry (Allstate and State Farm) as well as several regional carriers. In 2025, Hawaii\u2019s homeowners market still blends national brands with local carriers and a limited last\u2011resort option for high lava\u2011risk areas. Standard HO\u20113 [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":355703,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[20015],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Hawaii Homeowners Insurance Company | Reviews.com<\/title>\n<meta name=\"description\" content=\"Hawaii\u2019s annual premiums for homeowners insurance are on the lower side \u2014 on average $1,014 per year for an HO-3 policy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-hawaii\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Hawaii Homeowners Insurance Company | Reviews.com\" \/>\n<meta property=\"og:description\" content=\"Hawaii\u2019s annual premiums for homeowners insurance are on the lower side \u2014 on average $1,014 per year for an HO-3 policy.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-hawaii\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/10\/GettyImages-184919999.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1440\" \/>\n\t<meta property=\"og:image:height\" content=\"955\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-hawaii\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\/\/www.reviews.com\/insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Homeowners\",\"item\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"The Best Hawaii Homeowners Insurance Company\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The Best Hawaii Homeowners Insurance Company | Reviews.com","description":"Hawaii\u2019s annual premiums for homeowners insurance are on the lower side \u2014 on average $1,014 per year for an HO-3 policy.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-hawaii\/","og_locale":"en_US","og_type":"article","og_title":"The Best Hawaii Homeowners Insurance Company | Reviews.com","og_description":"Hawaii\u2019s annual premiums for homeowners insurance are on the lower side \u2014 on average $1,014 per year for an HO-3 policy.","og_url":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-hawaii\/","og_site_name":"Reviews.com","article_publisher":"https:\/\/www.facebook.com\/Reviewscom\/","og_image":[{"width":1440,"height":955,"url":"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/10\/GettyImages-184919999.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@Reviews","twitter_misc":{"Est. reading time":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-hawaii\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.reviews.com\/"},{"@type":"ListItem","position":2,"name":"Insurance","item":"https:\/\/www.reviews.com\/insurance\/"},{"@type":"ListItem","position":3,"name":"Homeowners","item":"https:\/\/www.reviews.com\/insurance\/homeowners\/"},{"@type":"ListItem","position":4,"name":"The Best Hawaii Homeowners Insurance Company"}]},{"@type":"WebSite","@id":"https:\/\/www.reviews.com\/#website","url":"https:\/\/www.reviews.com\/","name":"Reviews.com","description":"Your Guide to the Best Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.reviews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/324629"}],"collection":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/users\/345"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/comments?post=324629"}],"version-history":[{"count":0,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/324629\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/1691"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media\/355703"}],"wp:attachment":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media?parent=324629"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/categories?post=324629"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/tags?post=324629"},{"taxonomy":"post_author","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/post_author?post=324629"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}