Property insurance in HI covers a home and its contents. It also provides protection against liability for any injuries or property damage you or any members of your family, including household pets, cause. Property insurance also pays temporary living expenses while living away from home because of a natural disaster.

A Hawaii homeowner’s insurance policy covers most types of natural disasters including fire, hurricanes, hail and lightning and other events specified in the policy. Earthquake and flood coverage typically will require separate policies. HI property insurance does not protect against problems caused by poor maintenance.

Consider these three points when choosing property insurance in HI:

1. The location of the property may require additional Hawaii house insurance. For example, properties in Hawaii may require insurance against volcanoes.
2. Effective loss-control measures can control the premium for Hawaii homeowners insurance. This can include installing an alarm system for theft.
3. The replacement of detached structures. Home insurance should allow you to rebuild your house including structures like a garage, gazebo or tool shed. Detached structures are typically covered for about 10% of the value of the house.

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of Hawaii homeowner insurance plans

Obtaining multiple quotes from different sources can be an effective method of identifying the general terms of these policies and the premiums you can expect to pay.

I recommend: Begin your search for property insurance in Hawaii quotes at All Options Insurance by entering your zip code. Most Choice specializes in property insurance and allows you to search for quotes by zip code.

Find HI property insurance brokers who represent major carriers

You may want to obtain property insurance in Hawaii through an agent who represents a major carrier in the state and who can make a recommendation based on the specific needs of your situation.

I recommend: Go to Allied Insurance and enter your zip code and search radius for a list of insurance agents in your area. State Farm sells homeowner's insurance and provides a list of agents within a specified area.

Get a policy for homeowners insurance in Hawaii policy from a local agent

You may wish to contact local independent Hawaii home insurance providers rather than dealing with different national insurers. Often, a local agent can write a more customized plan for you.

I recommend: AIG Hawaii provides a range of Hawaii property insurance services and specializes in meeting the unique needs of homeowners in the islands. Aloha Insurance Services has offices throughout the islands and has partnerships with all of the major insurance carriers in Hawaii.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Conduct a home inventory to determine the replacement cost for the contents of your home. Property insurance companies in Hawaii will cover the contents of your house up to a specified percentage of the value of your home. You should consider off-premises coverage if you have a substantial amount of number of belongings outside of your home quickly after a disaster.
• •  Property insurance companies in Hawaii typically covers expensive items such as furs, jewelry and silverware up to a fixed amount. You will need a special property endorsement to replace these items if their value exceeds the amount the primary policy covers. A property endorsement covers items that are lost or stolen.