Honolulu Insurance Rates:

Honolulu, HI homeowners insurance is about $811 to $1,098, about $67-$91/month. Our thorough research shows customers can save as much as $382 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
I would recommend geico to anyone. I have been happy with their service. Some people I have referred to geico told me that their rates for car insurance were very high.
State Farm
my premium and deductuble with state farm is at least 300 cheaper than with any other home insurance thaat i found anywhre around. everyone else was too rediculous to be able to afford
Geico
I have had a great experience so far with Geico. They're customer service so far has been friendly and easy to deal with. The wait to get a hold of someone has been relatively short. And their mobile app is easy to use.
State Farm
I would strongly recommend State Farm home insurance because they have excellent customer service and make it clear that they are on your side no matter the issue.
Liberty Mutual
I would rate customer service as 5. They are very helpful and professional when you need service on your policy. I have never had a bad customer service call or chat.
State Farm
I understand, and know property and casualty insurance well. I believe State Farm and all companies for that matter offer the same policies with riders that can be purchased.
State Farm
They are always very friendly and courteous. when you call them or visit their office they always go out of their way to help you.
Allstate
The customer service that i have experienced when calling in has not been a positive experience. i feel as though they do not appreciate their customers.
State Farm
Customer service agents are very well informed of the products they have to offer and are willing to share the knowledge.
State Farm
I think State Farm is the best company on the market that cover's house insurance. I've been very satisfied with the positive results.
Universal Insurance
It would be great if we knew more about our policy options and how to get additional coverage such as flood insurance.
Allstate
I don't have any dislikes about this company. They have been professional. Handles my claim in an efficient and timely manner.
Centauri Insurance
I am sure about the premium compared to other insurance companies as its been many years and I didn't change my insurance. However, if I search il get a better deal for sure.
Travelers
Everything is accomplished on line, over the phone and via e-mail. No local offices for face to face conversations, resolutions.
Liberty Mutual
The company's customer service is filled with people who don't really know what they are talking about or are located in a different state so they wouldn't know my states rules. This is annoying as I seem to play around with the phone system until I speak to someone competent enough.
State Farm
I wish that they had more communication with me in regards to trying to lower my payment. I wish they would attempt to help me with my rates at least once a year.
State Farm
I don't really have any dislikes about the company, other than what I mentioned above about their upselling efforts. They have always been professional and polite by phone and email when I've needed to speak with them. I just wish they would call less often.
State Farm
They have good commercials. My name is Jake so I get that joke a lot. Plus there is always candy in the lobby.
Allstate
I like how friendly and helpful their representatives are. They always have an answer for my questions and if they don't they find me someone who does. They're also very respectful.
Allstate
Introducing The Best Rated Home Insurance Company In The US. 90 Seconds To Get Insured.a good understanding of their systems from hands-on experience.
Allstate
The company is well known. Competitive prices. Agent in town and available to answer any questions.
State Farm
I like that they are efficient and give good customer service and are always there to help you with any questions you have.
State Farm
The only thing I dislike about the company is their hours of operation. They are closed on the weekends.

Honolulu, HI Homeowners Insurance By Home Value

Honolulu, HI Home Value Total Homes % of Total Average Honolulu, HI Homeowners Insurance
Less than $50,000 678 3.0% $38
$50,000 to $59,999 295 1.0% $76
$100,000 to $124,999 603 3.0% $171
$150,000 to $174,999 507 2.0% $248
$175,000 to $199,999 659 3.0% $296
$200,000 to $249,999 2,863 15.0% $353
$250,000 to $299,999 3,725 19.0% $429
$300,000 to $399,999 9,016 47.0% $553

Cost Of Homeowners Insurance By Street Near Honolulu, HI

Streets in Honolulu Area Homeowners Insurance Cost
Kaimanahila St, Kahaloa Dr, Kiwila St, Funston Rd, Kawaihae Pl, Kahaha St, Kualono St, Matsonia Dr, Elm St, Gulick Ave$945
Hoopii Pl, Onini Pl, Halehoola Pl, Lelehune Pl, N Kuakini St, Kiele Pl, Iholena Pl, Kolopua St, Makalika Ct, Hokulani St$None
Casey St, Kiionioni Loop, Kopke St, Alahee St, Gordon St, Hoahana Pl, Fort St, Manaiki Pl, Kaamalio Dr, Colburn St$889
Mokuhano Pl, Pahukui St, 11th Ave, Emerson St, Panini Loop, Maluhia Rd, Bishop Cir, Kawaiahao St, Kaikunane Loop, Ahua St$962
Kumulani St, Lounsbury St, Moanawai Pl, Barron Ln, Monterey Pl, Gardenia St, Keikilani Cir, Moanalualani Pl, Holua Way, Bishop St$1,009
Napoko Pl, 16th Ave, Nahoku Pl, Chaplain Ln, Kaliawa St, Manamana Pl, Hunter St, Flarety Cir, E Manoa Rd, Hoe St$1,001
Crater Rd, Miloiki Pl, N Kukui St, Halenoho Pl, Anderson Cir, Dement St, Ala Ulike Pl, Koko Uka Pl, Davenport St, Moreell Cir$926
Puuhale Pl, Frog Ln, Papali Pl, Yvonne Pl, E Manoa Rd, Woodlawn Dr, Niepers Ln, Huanu St, Paul Ln, Whiting St$951
Kuwili St, Kamuela Pl, Waiohinu Dr, Coyne St, Namur Rd, Nu Pl, Kona St, Palekaua St, Kepuhi St, Rice St$None
Morris Ln, Palolo Ave, Loomis St, Ahiahi St, South St, Ala Opeha Pl, Ohua Ave, Kauhana St, Malu Pl, Aleo Pl$945

Honolulu, HI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Honolulu$142 to $145
Kekaha-Waimea$138
Kauai County$140
Kekaha$139

Honolulu, 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
Kekaha-Waimea CCD, Kauai County, Hawaii $116 $154 $231
Kauai County, Hawaii $117 $156 $234
Kekaha CDP, Hawaii $116 $155 $232

Honolulu, 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
Honolulu, HI3.3%13.9%
Kekaha-Waimea3.87%21.38%
Kauai County3.51%17.07%
Kekaha3.97%22.77%

Honolulu Renters Insurance as a Percentage of Rent

Honolulu Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,074 1.0% $337
$200 to $299 1,646 2.0% $787
$300 to $499 2,697 3.0% $1237
$500 to $749 5,535 7.0% $1912
$750 to $999 10,723 15.0% $2662
$1,000 to $1,499 24,459 34.0% $3787
$1,500 or more 24,808 34.0% $5437

Honolulu, HI Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
96821 $899,400 $1,030
96816 $731,100 $990
96825 $702,000 $990
96822 $593,200 $970
96819 $590,300 $950
96817 $584,600 $950
96813 $525,500 $960
96818 $457,000 $940
96814 $436,900 $930
96815 $421,000 $940
96826 $361,400 $910

Honolulu, HI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$3,300
Yearly Honolulu Homeowner Insurance Premium Example $1,700$1,200
Out of Pocket Expense During Claim$1,300$3,300
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $11,500$10,500
Net Savings to Honolulu Home Owner from High Deductible Plan $1,000

Honolulu, HI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Honolulu, HI Home Replacement Value MORE than Home Value Honolulu, HI Home Replacement Value LESS than Home Value
Replacement Value $1,119,000 $653,000
Insurance Premium based on Replacement Value $3,350 $1,950
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $279,500 Risk Exposure from Under Insuring Coverage is $186,500
Premium Impact Insurance cheaper by $550/year Insurance costlier by $850/year

Example Honolulu Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateLiberty Mutual
Monthly Premium 1404698
Year Built 199219751989
Home Details 3 Beds, 2 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $600000-$700000$200000-$250000$500000-$600000
Deductible $500 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 1,010,000 Membrane Roof 3,590 5 $500 Deductible 2080 10 Fiber-Cement Siding No
1987 300,000 Membrane Roof 1,260 2 $5000 to $10,000 Deductible 50 1 Fiber-Cement Siding No
1965 520,000 Shingles Roof 1,670 3 > $10,000 Deductible 580 12 Wood siding yes
1986 450,000 Membrane Roof 1,780 2 $5000 to $10,000 Deductible 710 12 Fiber-Cement Siding yes
1992 535,000 Asphalt Shingles Roof 2,080 4 $500- $1000 Deductible 240 2 Wood siding yes
1985 760,000 Composition Roof 3,340 4 $500 Deductible 1510 8 Stone Siding No
1968 600,000 Membrane Roof 1,930 3 $500- $1000 Deductible 1170 9 Wood siding yes
1966 705,000 Wood Shake Roof 2,370 3 $500- $1000 Deductible 180 1 Wood siding No
1997 980,000 Shingles Roof 3,020 5 $1000-$2500 Deductible 1230 6 Stone Siding No
1974 680,000 Metal Roof 2,370 3 $2500-$5000 Deductible 540 5 Stone Siding No
1973 620,000 Asphalt Shingles Roof 2,280 3 $2500-$5000 Deductible 1220 9 Vinyl siding No
1971 570,000 Slate Shingles Roof 1,730 5 $500- $1000 Deductible 1520 10 Vinyl siding yes
1980 615,000 Slate Shingles Roof 1,830 4 $500- $1000 Deductible 1180 8 Stone Siding yes
1999 540,000 Wood Shake Roof 2,250 3 $500 Deductible 710 5 Stucco siding No
1985 365,000 Metal Roof 1,400 2 > $10,000 Deductible 350 7 Stucco siding No
1967 520,000 Slate Shingles Roof 1,810 4 $1000-$2500 Deductible 330 3 Stucco siding No
1960 330,000 Wood Shake Roof 1,320 3 $500 Deductible 470 5 Stone Siding No
1978 580,000 Tile Roof 1,830 4 $2500-$5000 Deductible 70 1 Stone Siding No
1963 640,000 Asphalt Shingles Roof 2,410 4 $500- $1000 Deductible 1360 8 Brick siding yes
1983 455,000 Metal Roof 1,490 3 $2500-$5000 Deductible 200 3 Brick siding yes
1993 1,025,000 Composition Roof 3,400 4 $5000 to $10,000 Deductible 590 3 Brick siding No
1961 1,370,000 Shingles Roof 4,990 5 $2500-$5000 Deductible 2580 12 Vinyl siding No
1967 695,000 Asphalt Shingles Roof 2,590 4 $1000-$2500 Deductible 460 3 Wood siding yes
1998 610,000 Metal Roof 2,010 5 > $10,000 Deductible 650 7 Fiber-Cement Siding No
1979 460,000 Slate Shingles Roof 1,480 2 $1000-$2500 Deductible 250 3 Vinyl siding No
1973 565,000 Metal Roof 1,920 3 $1000-$2500 Deductible 1570 12 Wood siding yes
1989 1,360,000 Membrane Roof 4,040 5 > $10,000 Deductible 910 8 Brick siding No
1979 875,000 Wood Shake Roof 2,680 4 > $10,000 Deductible 120 1 Brick siding yes
1962 460,000 Metal Roof 1,630 4 > $10,000 Deductible 100 2 Stucco siding yes
1980 345,000 Tile Roof 609 1 $500- $1000 Deductible 640 7 Stone Siding yes

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