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Honolulu, HI Home Values & Insurance Rates

Honolulu, HI Home Value Total Homes % of Total Average 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

Estimated Home Insurance By Street Area Near Honolulu, HI

Honolulu Area Estimated House Insurance
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

Savings on home insurance for senior occupied homes

PlaceSavings
Honolulu$142 to $145
Kekaha-Waimea$138
Kauai County$140
Kekaha$139

Honolulu, HI 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 Home 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

Honolulu, HI Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
Kekaha-Waimea CCD, Kauai County, Hawaii $116 $154 $231
Kauai County, Hawaii $117 $156 $234
Kekaha CDP, Hawaii $116 $155 $232

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
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