Hilo Insurance Rates:

Hilo, HI homeowners insurance is roughly $765 to $1,038, about $63-$86/month. Our detailed guide indicates shoppers can save upto $360 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual
When it comes to rate-saving opportunities, Allstate is in a league all by itself. Featuring an industry-leading stable of discounts, Allstate makes it easy to get a good deal on your coverage.
Travelers
Compared to other people that I have checked with they are the cheapest around. My coverage through them as great and I feel comfortable got if anything was to happen it would be covered.
Liberty Mutual
I would suggest a 5 as well. I would rate this company very high standards. They take pride in all areas and make sure the customers are at home and understand everything they need to know on their policies.
State Farm
I would and have recommended this companym State Farms to others, and to be honest alot of the "like" I have for them comes from them being so nice and polite to me.
Liberty Mutual
I don't have a ton of experience with their customer service, but I feel like we're all good here.
Finance Insurance
I just liked the whole service of this company I did not dislike anything about this company. I love this company.
Geico
They simply communicate by mail or via the app which works sufficiently. I don't really see how they could do a better job, or even communicate to their customers any differently, to be honest. They have good communication.
Liberty Mutual
I like that I can change my coverage online anytime I feel I need to make a change. It is an easy monthly deduction from my checking out. Price is also good.
State Farm
There is not much I dislike, as everything is pretty easy to adjust and understand. I do wish my premium was a little lower.
Allstate
The website is easy to use to see premiums and deductibles. Billing dates have reminders emailed to you. It is easy to request updated policy quotes
Liberty Mutual
I recommend it because my home is secured at all times with all the insurance and ideas.

Hilo, HI Homeowners Insurance By Home Value

Hilo, HI Home Value Total Homes % of Total Average Hilo, HI Homeowners Insurance
Less than $50,000 337 4.0% $63
$70,000 to $79,999 83 1.0% $207
$80,000 to $89,999 86 1.0% $243
$90,000 to $99,999 133 1.0% $270
$100,000 to $124,999 183 2.0% $306
$125,000 to $149,999 177 2.0% $387
$150,000 to $174,999 498 6.0% $460
$175,000 to $199,999 454 5.0% $532
$200,000 to $249,999 1,180 14.0% $640
$250,000 to $299,999 1,639 20.0% $784
$300,000 to $399,999 3,157 39.0% $1001

Top Home Insurance Agents Near Hilo, HI

Home Insurance Company Near Hilo, HI Homeowners Insurance Agency Near Hilo, HI Address
NA All Island Insurance Services, Llc 68-1845 Rd. Suite 222 Waikaloa, Waikoloa, HI, 96738
State Farm Cheryl Kim 64-1032 Mamalahoa Hwy Ste 202, Kamuela, HI, 96743-8441
Allstate Larry Mccabe 75-5722 Kuakini Hwy Ste 101, Kailua Kona, HI, 96740
State Farm Nelson Fukuhara 274 Waianuenue Ave, Hilo, HI, 96720-2446
State Farm Wayne Yamauchi 75-5591 Palani Rd Ste 2006, Kailua Kona, HI, 96740-3634

Hilo, HI Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Hilo, HI

Streets in Hilo Area Homeowners Insurance Cost
Wawai Pl, Waikahe Rd, Lii Pl, Aalalani Pl, Rainbow Dr, Spring St, Ainaola Dr, Ewaliko Ln, Ekela St, Pukana la St$909
Moi St, Kekuanaoa St, Lewanuu St, Todd Ave, Manulele St, Noelani Loop, Hoopuni Way, Aikane Loop, Makalani St, Holomalia St$892
Akolea Rd, Hale Nani St, Nahala St, Oihana St, Kaiulani St, Hale Nani Pl, Minoaka Pl, Kaunala Way, Wainaku Ave, Kelika Pl$909
Uhaloa Rd, Poni Moi Pl, Lanihuli St, Lehua St, Kulamanu Pl, Malama Pl, Kekela St, Kikau Pl, Alapaki Pl, Auahi Pl$909
S Iwaiwa St, Wailoa St, Koaniani Pl, Mikaele Pl, Kaholo St, Ala Muku St, Anuenue St, Hoohoaloha Pl, Uilama Pl, Oholi Way$901

Hilo, HI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Hilo$135 to $137
Wainaku$135
Paukaa$137
Mountain View$133

Hilo, HI Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Wainaku CDP, Hawaii $135 $180 $270
Paukaa CDP, Hawaii $137 $182 $273
Papaikou-Wailea CCD, Hawaii County, Hawaii $135 $180 $270

Hilo, HI Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Hilo, HI4.6%22.7%
Wainaku4.57%26.43%
Paukaa3.31%23.01%
Papaikou-Wailea4.19%22.8%

Hilo Renters Insurance as a Percentage of Rent

Hilo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 171 3.0% $362
$200 to $299 278 5.0% $812
$300 to $499 344 6.0% $1262
$500 to $749 993 19.0% $1937
$750 to $999 1,332 25.0% $2687
$1,000 to $1,499 1,483 28.0% $3812
$1,500 or more 588 11.0% $5462

Hilo, HI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Hilo Homeowner Insurance Premium Example $1,400$900
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,400$8,900
Net Savings to Hilo Home Owner from High Deductible Plan $1,500

Hilo, HI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Hilo, HI Home Replacement Value MORE than Home Value Hilo, HI Home Replacement Value LESS than Home Value
Replacement Value $401,000 $249,500
Insurance Premium based on Replacement Value $1,075 $675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $79,000 Risk Exposure from Under Insuring Coverage is $72,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $200/year

Example Hilo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateLiberty Mutual
Monthly Premium 1285397
Year Built 198819782009
Home Details 5 Beds, 3 Baths3 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $400000-$500000$200000-$250000$300000-$350000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$500 Deductible

Sample Home Insurance Rates for Hilo, HI from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2000 550,000 Shingles Roof 3,020 4 $500 Deductible 660 6 Wood siding yes
1979 250,000 Tile Roof 1,400 3 $2500-$5000 Deductible 330 10 Brick siding No
1989 330,000 Tile Roof 2,140 3 $5000 to $10,000 Deductible 50 1 Brick siding No
1978 365,000 Metal Roof 2,150 5 $500 Deductible 320 3 Wood siding yes
1996 395,000 Composition Roof 2,330 4 $5000 to $10,000 Deductible 130 2 Fiber-Cement Siding No
1974 285,000 Slate Shingles Roof 1,700 2 $500 Deductible 400 8 Wood siding yes
1984 375,000 Metal Roof 2,520 4 $1000-$2500 Deductible 700 8 Stone Siding yes
1997 220,000 Metal Roof 1,170 2 $2500-$5000 Deductible 390 9 Brick siding yes
1974 420,000 Wood Shake Roof 2,620 5 $1000-$2500 Deductible 130 2 Vinyl siding yes
2004 220,000 Slate Shingles Roof 1,510 3 $1000-$2500 Deductible 470 10 Vinyl siding No
2009 215,000 Slate Shingles Roof 1,410 3 $5000 to $10,000 Deductible 180 5 Wood siding yes
1976 200,000 Asphalt Shingles Roof 1,280 2 $500 Deductible 70 2 Stone Siding No
1997 400,000 Membrane Roof 3,090 5 $500- $1000 Deductible 100 1 Vinyl siding No
1971 370,000 Shingles Roof 2,010 3 $1000-$2500 Deductible 80 1 Stucco siding yes
1976 440,000 Metal Roof 3,390 4 $5000 to $10,000 Deductible 70 1 Fiber-Cement Siding yes
1997 205,000 Metal Roof 1,080 2 $2500-$5000 Deductible 170 5 Wood siding No
1971 565,000 Metal Roof 3,040 4 $1000-$2500 Deductible 1370 12 Wood siding yes
1976 320,000 Tile Roof 2,350 3 $500 Deductible 200 3 Stone Siding yes
1987 630,000 Tile Roof 4,350 5 $5000 to $10,000 Deductible 1130 12 Stucco siding yes
1985 455,000 Wood Shake Roof 3,060 4 $2500-$5000 Deductible 680 9 Fiber-Cement Siding yes
1995 295,000 Composition Roof 1,810 3 $5000 to $10,000 Deductible 220 3 Fiber-Cement Siding No
2009 365,000 Slate Shingles Roof 2,210 3 $2500-$5000 Deductible 250 3 Brick siding yes
2002 245,000 Composition Roof 1,760 2 $500- $1000 Deductible 370 7 Vinyl siding yes
1991 155,000 Metal Roof 900 2 $500 Deductible 420 10 Vinyl siding No
1976 345,000 Composition Roof 1,980 3 $500 Deductible 600 6 Stucco siding No
2006 380,000 Composition Roof 2,150 5 $5000 to $10,000 Deductible 560 10 Wood siding yes
1995 400,000 Wood Shake Roof 2,430 5 > $10,000 Deductible 510 8 Vinyl siding yes
1990 255,000 Tile Roof 1,830 4 $1000-$2500 Deductible 50 1 Stucco siding No
1995 220,000 Composition Roof 1,510 2 $500- $1000 Deductible 380 9 Wood siding No
1996 385,000 Metal Roof 2,680 4 $1000-$2500 Deductible 840 10 Fiber-Cement Siding yes
1971 260,000 Metal Roof 1,930 5 > $10,000 Deductible 470 12 Vinyl siding yes
2007 240,000 Composition Roof 1,510 2 $1000-$2500 Deductible 200 3 Wood siding yes
1981 255,000 Tile Roof 1,590 3 $5000 to $10,000 Deductible 190 5 Fiber-Cement Siding No
1981 375,000 Slate Shingles Roof 2,300 3 $2500-$5000 Deductible 760 12 Stone Siding yes

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