Wailuku Insurance Rates:

Wailuku, HI homeowners insurance is nearly $791 to $1,079, about $65-$89/month. Our exhaustive guide reveals consumers can save as much as $374 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
State farm has always provided me with top-notch service. they are just a phone call away whenever i need them.
Finance Insurance
I liked the whole company because they provide us very good quality things. I never get angry about this company.
Metlife
MetLife is an excellent insurance company because it makes sure critical information about policy coverage, premium rates, deductibles, and other important details are clearly explained to the policyholder. If the policyholder has any questions, they encourage the policyholder to ask questions and be educated about their services.
Prudential
I feel I am getting a fair deal due to all of the bundling cost breaks I get.

Wailuku, HI Homeowners Insurance By Home Value

Wailuku, HI Home Value Total Homes % of Total Average Wailuku, HI Homeowners Insurance
Less than $50,000 73 5.0% $46
$50,000 to $59,999 20 1.0% $93
$60,000 to $69,999 24 1.0% $121
$100,000 to $124,999 104 7.0% $205
$125,000 to $149,999 105 7.0% $252
$150,000 to $174,999 115 7.0% $299
$175,000 to $199,999 54 3.0% $345
$200,000 to $249,999 102 7.0% $420
$250,000 to $299,999 233 15.0% $514
$300,000 to $399,999 615 42.0% $654

Top Home Insurance Agents Near Wailuku, HI

Home Insurance Company Near Wailuku, HI Homeowners Insurance Agency Near Wailuku, HI Address
NA Business Ins Svcs 140 N Market St #102, Wailuku, HI, 96793
NA Business Insurance Services, Inc. 140 N Market St, Ste 102, Wailuku, HI, 96793
State Farm Carey Tanaka 355 Hukilike St Ste 103, Kahului, HI, 96732-2973
State Farm Chad Santiago 325 Keawe St Ste 104, Lahaina, HI, 96761-2728
State Farm Lance Migita 411 Huku Lii Pl Ste 304, Kihei, HI, 96753-7062

Cost Of Homeowners Insurance By Street Near Wailuku, HI

Streets in Wailuku Area Homeowners Insurance Cost
S Alu Rd, Pua Pl, Koni Pl, Papua St, Momi Pl, Mohalu St, N Wakea Ave, Kiele St, Kawaipuna Pl, Keoneloa St$949
Nakila Pl, Kamakoa Loop, Malunawai St, Nipo St, Eha St, Mokuhau Rd, Kolopua Pl, Iliau Way, Ohia Leo Pl, Kalua Rd$943
Kinipopo St, Ainahou Dr, Momi Pl, Mahinalani Pl, Kaohu St, Koni Pl, Kaniela St, Pohakea Pl, Moani Pl, Kokea St$953
Kalawi Rd, Luahoana Pl, Uluwehi St, Koene Pl, Maka Hou Pl, Ulu Pl, Ohia Lake Pl, Uahaa Pl, Pikale Pl, Naniloa Dr$949
Maunalei Pl, Melemele St, E Main St, Imi Kala St, Kukui Pl, Alua St, Alani Pl, E Main St, Niolopua Ln, Helena Pl$944

Wailuku, HI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Wailuku$139 to $141
Waihee-Waiehu$140
Kahului$141
Waikapu$139

Wailuku, 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
Waihee-Waiehu CDP, Hawaii $140 $187 $281
Kahului CDP, Hawaii $142 $189 $284
Waikapu CDP, Hawaii $140 $186 $279

Wailuku, 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
Wailuku, HI3.2%19.2%
Waihee-Waiehu3.98%17.49%
Kahului3.06%20.62%
Waikapu3.37%22.49%

Wailuku Renters Insurance as a Percentage of Rent

Wailuku Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 158 7.0% $1246
$500 to $749 344 16.0% $1921
$750 to $999 318 15.0% $2671
$1,000 to $1,499 584 27.0% $3796
$1,500 or more 688 32.0% $5446

Wailuku, HI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$3,800
Yearly Wailuku Homeowner Insurance Premium Example $1,900$1,300
Out of Pocket Expense During Claim$800$3,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $16,000$14,200
Net Savings to Wailuku Home Owner from High Deductible Plan $1,800

Wailuku, HI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Wailuku, HI Home Replacement Value MORE than Home Value Wailuku, HI Home Replacement Value LESS than Home Value
Replacement Value $435,000 $279,000
Insurance Premium based on Replacement Value $1,050 $675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $83,500 Risk Exposure from Under Insuring Coverage is $72,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $200/year

Example Wailuku Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateAllstateLiberty Mutual
Monthly Premium 6225858
Year Built 200819812011
Home Details 3 Beds, 2 Baths5 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $350000-$400000More than 10000000$350000-$400000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1966 1,230,000 Shingles Roof 4,300 5 $2500-$5000 Deductible 590 3 Vinyl siding yes
2007 690,000 Membrane Roof 3,060 5 > $10,000 Deductible 660 5 Stone Siding No
1993 345,000 Wood Shake Roof 1,470 2 $1000-$2500 Deductible 760 10 Stone Siding No
1962 610,000 Membrane Roof 2,790 4 $500- $1000 Deductible 230 2 Stone Siding yes
1986 340,000 Slate Shingles Roof 1,530 2 > $10,000 Deductible 310 5 Wood siding No
1997 400,000 Slate Shingles Roof 1,500 3 $1000-$2500 Deductible 550 6 Stucco siding No
1963 580,000 Composition Roof 2,540 5 $500 Deductible 1160 7 Fiber-Cement Siding yes
2013 795,000 Slate Shingles Roof 3,510 5 $2500-$5000 Deductible 360 3 Stucco siding No
2013 350,000 Tile Roof 1,770 3 $5000 to $10,000 Deductible 40 1 Brick siding yes
1960 225,000 Slate Shingles Roof 1,040 2 $500 Deductible 110 2 Fiber-Cement Siding No
1994 395,000 Metal Roof 1,990 5 $500 Deductible 540 6 Stucco siding yes
2011 480,000 Asphalt Shingles Roof 2,070 3 $1000-$2500 Deductible 90 1 Brick siding No
1999 340,000 Shingles Roof 1,780 5 > $10,000 Deductible 170 3 Stone Siding No
2013 365,000 Membrane Roof 1,560 3 $5000 to $10,000 Deductible 590 10 Fiber-Cement Siding yes
2009 455,000 Shingles Roof 1,690 3 $2500-$5000 Deductible 230 3 Fiber-Cement Siding No
1961 365,000 Membrane Roof 1,480 3 $5000 to $10,000 Deductible 110 2 Brick siding No
1985 355,000 Shingles Roof 1,690 2 $5000 to $10,000 Deductible 150 3 Vinyl siding No
1994 605,000 Wood Shake Roof 2,160 3 $1000-$2500 Deductible 1220 8 Brick siding yes
2013 340,000 Wood Shake Roof 1,520 2 $2500-$5000 Deductible 140 3 Brick siding yes
1980 285,000 Tile Roof 1,240 3 $2500-$5000 Deductible 700 12 Wood siding No
1998 880,000 Composition Roof 3,280 4 $2500-$5000 Deductible 910 7 Stone Siding yes
1989 975,000 Membrane Roof 4,210 5 $2500-$5000 Deductible 1390 7 Stucco siding No
2001 390,000 Slate Shingles Roof 1,810 3 $2500-$5000 Deductible 200 3 Vinyl siding No
1962 485,000 Composition Roof 2,230 3 $2500-$5000 Deductible 950 9 Brick siding yes
1963 660,000 Asphalt Shingles Roof 3,010 4 $2500-$5000 Deductible 1310 12 Brick siding yes
1981 790,000 Membrane Roof 3,340 4 $1000-$2500 Deductible 1620 9 Stone Siding No
1985 280,000 Wood Shake Roof 1,310 2 $5000 to $10,000 Deductible 130 3 Wood siding No
2012 835,000 Tile Roof 4,270 5 $500 Deductible 180 1 Vinyl siding yes
1992 360,000 Shingles Roof 1,460 2 $2500-$5000 Deductible 230 4 Fiber-Cement Siding yes
1990 800,000 Wood Shake Roof 4,030 5 $1000-$2500 Deductible 2110 10 Stone Siding yes