Kapaa Insurance Rates:

Kapaa, HI home insurance is approximately $784 to $1,073, about $65-$89/month. Our exhaustive research reveals consumers can save upto $371 by getting many quotes

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Kapaa Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $890/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $470,000

4 Beds, 4 Baths 2630 sqft Primary Residence Constructed In 1988 with Carpet Flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Single Male who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $170/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

3 Beds, 3 Baths 1640 sqft Vacation Property Constructed In 1986 with Hardwood Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Smoke Alarm, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $400/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

2 Beds, 2 Bath 1470 sqft Vacation Property Constructed In 1981 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fireplace, Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $150/2 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $560,000

4 Beds, 4 Baths 2340 sqft Rental Property Constructed In 2012 with Carpet over wood flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Single Female who is a Freelancer with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $630/6 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $660,000

5 Beds, 5 Baths 3120 sqft Seasonal Residence Constructed In 1984 with Linoleum, Wood Shake Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $780/3 months for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $815,000

4 Beds, 4 Baths 3390 sqft Primary Residence Constructed In 2012 with Linoleum, Slate Shingles Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Single Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $1120/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $360,000

3 Beds, 3 Bath 1720 sqft Rental Property Constructed In 1982 with Hardwood Flooring, Membrane Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $720/5 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $520,000

5 Beds, 5 Baths 2650 sqft Rental Property Constructed In 1990 with Carpet over wood flooring, Metal Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Swimming Pool, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Divorced Male who has a Full Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $330/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $315,000

4 Beds, 4 Baths 1620 sqft Seasonal Residence Constructed In 1991 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Married Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $190/4 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $400,000

3 Beds, 3 Bath 2120 sqft Seasonal Residence Constructed In 2014 with Wood Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Married Female who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Kapaa, HI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
96746 $526,200 $960

Kapaa Rates & Quotes Analysis:

Kapaa Area Estimated House Insurance
Iliki St, Lokene St, Huina St, Makaloa St, Ma'lama'aina Pl, Kokeanu St, Kapunohu Rd, Hauaala Rd, Ulumanad St, Malu Rd$926
Kaahele St, Poha Rd, Honua Rd, Puuopae Rd, Kukui St, Kalika St, Pilipoli Rd, Kalalea Rd, Aukake Pl, Sokei Rd$923
Hauaala Rd, Pokukala St, Silva Rd, Kauwila St, Waipouli Rd, Keaka Rd, Kaima Pl, Kumole St, Kuhoho St, Loloa St$925
Kawaihau Rd, Niu St, Kalama Rd, Iiwi Rd, Opala Rd, Sadoyama Rd, Pili Kai Rd, Kamalomaloo Pl, Niulani Rd, Hassard Rd$918
Aleo St, Puka O Kalalea St, Makaha Rd, Ehukai Rd, Kou St, Aguiar Tract Rd, Ioane Rd, Alahele, Laipo Rd, Kalalea View Dr$932

Insurance rates are influenced by a number of factors including:

  • Year Built: 962 Homes (22% of total homes ) built between 1990 to 1999 in Kapaa are paying home insurance between $1,340-$1,354. Places close to Kapaa, HI such as Wailua Homesteads, Wailua-Anahola, Kilauea are more expensive by $51, $27, $42 respectively while Anahola and Puhi are cheaper by $42 and $22 respectively for similar homes.
  • Bedrooms: 679 4 bedrooms homes (16% of total homes ) in Kapaa are paying about $437 and differs from Wailua Homesteads (+$17), Wailua-Anahola (+$9), Kilauea (+$14), Anahola (-$5) and Eleele (-$4).
  • Auto Insurance Bundling: 697 Households (33% of all households) in Kapaa have 3 or more vehicles available and when it is bundled with home insurance you can save $232. Discounts for similar bundling in close by locations such as Wailua Homesteads, Wailua, Wailua-Anahola come to $241, $232, $237 respectively.
  • Senior Discounts: 1,226 seniors (more than 55 years) occupied housing units (58% of total) in Kapaa get discounts between $138 to $140. The comparative concessions in proximate regions such as Wailua Homesteads, Wailua and Wailua-Anahola are $144, $139 and $142 respectively.
  • New Homes discounts: New homes such as the 1,633 homes built between 2000 to 2009 in Kapaa can save $185 and similar new home insurance discounts in nearby towns and cities like Wailua Homesteads, Wailua and Wailua-Anahola are $192, $186 and $189 respectively.

Kapaa Homeowners insurance Facts

  • Kapaa, HI has 2,080 owner occupied houses which is 63.6% of all units whereas Wailua Homesteads, Wailua and Wailua-Anahola have 70.67%, 57.95% and 66.51% respectively.
  • Kapaa, HI homeowners yearly insurance price at $929 is 0.2% of the typical house value of $461,500 which is in contrast with 0.15% in Wailua Homesteads, 0.2% at Wailua & 0.17% in Wailua-Anahola.
  • Homeowners in Kapaa, HI pay 18.58% of their income (Less than $10,000) in insurance whereas homeowners in Wailua Homesteads, Wailua and Wailua-Anahola pay 19.28%, 18.6% and 18.96% respectively.
  • Kapaa, HI’s insurance is 3.4% of monthly housing costs of $2,267/month, for owners with a mortgage compared to 3.41% in Wailua Homesteads, 4.12% at Wailua & 3.83% in Wailua-Anahola. But, for households without a mortgage, insurance is 23.9% of costs ($324 in Kapaa, HI) in contrast with 14.47% in Wailua Homesteads, 17.98% at Wailua & 15.28% in Wailua-Anahola.

Kapaa, HI Home Values & Insurance rates

For example, insurance for 40 Homes (5.0% of total homes ) valued between Less than $50,000 in Kapaa, HI is about $46. Rates in nearby areas in such as Wailua Homesteads, Wailua-Anahola, Kilauea are cheaper by $18, $9, $8 respectively while Anahola and Waianae are costlier by $26 and $17 respectively for similar homes.

Kapaa, HI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 40 5.0% $46
$60,000 to $69,999 12 1.0% $130
$70,000 to $79,999 16 2.0% $148
$100,000 to $124,999 13 1.0% $213
$125,000 to $149,999 13 1.0% $269
$150,000 to $174,999 23 2.0% $325
$200,000 to $249,999 73 9.0% $445
$250,000 to $299,999 106 13.0% $548
$300,000 to $399,999 482 61.0% $696

Renters Insurance in Kapaa

  • Average Renters Insurance in Kapaa :  $199($16/month)

  • Median Gross Rent in Kapaa :  $1,292

  • Kapaa Renters Insurance to Median Rent Ratio:  1.24%

  • Renter occupied housing units in Kapaa :  1,192

Kapaa Renters Insurance as a Percentage of Rent

Kapaa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 66 5.0% $349
$200 to $299 44 3.0% $799
$300 to $499 64 5.0% $1249
$500 to $749 119 10.0% $1924
$750 to $999 121 10.0% $2674
$1,000 to $1,499 394 34.0% $3799
$1,500 or more 334 29.0% $5449

Rent Affordability in Kapaa:

Approximately 47.0% (563) of households are spending more than 35% of their income on gross rent in Kapaa

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 15 1.0%
15.0 to 19.9 percent 94 7.0%
20.0 to 24.9 percent 114 9.0%
25.0 to 29.9 percent 305 25.0%
30.0 to 34.9 percent 101 8.0%
35.0 percent or more 563 47.0%

Kapaa Renters Insurance Discounts:

Kapaa Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Kapaa, HI Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 411 34.0% $19.9
2 vehicles available 451 37.0% $29.85
3 or more vehicles available 183 15.0% $39.8

Protective device discount in Kapaa Up to :  $29

Claims-free discount in Kapaa Up to :  $39