Kapaa Insurance Rates:

Kapaa, HI homeowners insurance is approximately $784 to $1,073, about $65-$89/month. Our exhaustive research reveals consumers can save upto $371 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Kapaa, HI Homeowners Insurance By Home Value

Kapaa, HI Home Value Total Homes % of Total Average Kapaa, HI 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

Top Home Insurance Agents Near Kapaa, HI

Home Insurance Company Near Kapaa, HI Homeowners Insurance Agency Near Kapaa, HI Address
NA Business Insurance Services, Inc. 4485 Pahee St Ste 9 , Lihue, HI, 96766
NA Punua Insurance Agency Inc 4268 Rice St, Lihue, HI, 96766
State Farm Eric Kaneda 2970 Haleko Rd Ste 106, Lihue, HI, 96766-1380
State Farm Mike Martinez 4-831 Kuhio Hwy Ste 426 # C5, Kapaa, HI, 96746-1574
Allstate Renee Hicks 4-1579 Kuhio Hwy Ste 103, Kapaa, HI, 96746

Cost Of Homeowners Insurance By Street Near Kapaa, HI

Streets in Kapaa Area Homeowners Insurance Cost
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

Kapaa, HI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Kapaa$138 to $140
Wailua Homesteads$144
Wailua$139
Wailua-Anahola$142

Kapaa, 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
Wailua Homesteads CDP, Hawaii $121 $161 $241
Wailua CDP, Hawaii $116 $155 $232
Wailua-Anahola CCD, Kauai County, Hawaii $119 $158 $237

Kapaa, 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
Kapaa, HI3.4%23.9%
Wailua Homesteads3.41%14.47%
Wailua4.12%17.98%
Wailua-Anahola3.83%15.28%

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

Kapaa, HI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$1,800
Yearly Kapaa Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,800$8,200
Net Savings to Kapaa Home Owner from High Deductible Plan $600

Kapaa, HI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Kapaa, HI Home Replacement Value MORE than Home Value Kapaa, HI Home Replacement Value LESS than Home Value
Replacement Value $556,500 $368,000
Insurance Premium based on Replacement Value $1,625 $1,075
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $70,000 Risk Exposure from Under Insuring Coverage is $118,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $200/year

Example Kapaa Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateAllstate
Monthly Premium 8617260
Year Built 201019971980
Home Details 4 Beds, 2 Baths5 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $300000-$350000More than 10000000$350000-$400000
Deductible $500 Deductible$5000 to $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 265,000 Tile Roof 1,370 2 $500 Deductible 590 9 Stucco siding No
2002 710,000 Asphalt Shingles Roof 2,950 4 $1000-$2500 Deductible 200 1 Brick siding yes
1996 605,000 Shingles Roof 2,430 4 > $10,000 Deductible 450 6 Stucco siding yes
1988 470,000 Metal Roof 2,630 4 $500- $1000 Deductible 890 9 Fiber-Cement Siding No
1986 290,000 Slate Shingles Roof 1,640 3 $1000-$2500 Deductible 170 3 Fiber-Cement Siding yes
1981 265,000 Shingles Roof 1,470 2 $500- $1000 Deductible 400 6 Stucco siding yes
2012 560,000 Slate Shingles Roof 2,340 4 $2500-$5000 Deductible 150 2 Vinyl siding yes
1984 660,000 Wood Shake Roof 3,120 5 $5000 to $10,000 Deductible 630 6 Brick siding No
2012 815,000 Slate Shingles Roof 3,390 4 $500 Deductible 780 3 Stucco siding No
1982 360,000 Membrane Roof 1,720 3 $1000-$2500 Deductible 1120 10 Stone Siding yes
1990 520,000 Metal Roof 2,650 5 $500- $1000 Deductible 720 5 Brick siding No
1991 315,000 Membrane Roof 1,620 4 $5000 to $10,000 Deductible 330 5 Stucco siding No
2014 400,000 Composition Roof 2,120 3 > $10,000 Deductible 190 4 Stone Siding No