Hawaii home insurance

Every figure below is sourced and dated. Estimates only — not quotes, and not offers of coverage.

Home insurance premium estimator

What homeowners insurance costs in your state, and whether what you pay is out of line.

Replacement cost calculator

Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.

Deductible comparison

What a higher deductible really saves, how long it takes to pay off, and what a storm deductible actually costs.

Renewal increase check

Did your renewal go up more than premiums did across your state — and what to do about it.

Full coverage check

All six limits on your policy against what the standard form and regulators say to expect — including the liability limit nobody looks at.

Hawaii at a glance

Average premium: $1,125/ yr; At $300,000 of dwelling coverage.
Standard deductible: $1,000; Applies to everyday claims.
Storm deductible — separate, and much larger: $6,000(2% of coverage); What you would pay out of pocket on $300,000 of coverage before a storm claim pays anything — not the $1,000 above.
Insurer of last resort: Hawaii Property Insurance Association (HPIA); Hawaii's FAIR plan and insurer of last resort, created by the state legislature in 1991 -- originally to answer the Big Island lava problem in Lava Zones 1 and 2, then expanded statewide after Hurricane Iniki in 1992. It is an unincorporated association of Hawaii insurers under the Insurance Commissioner's oversight and is NOT state-funded. Maximum dwelling limit is $450,000, with deductible options of $500, $1,000, $2,000 or $3,000; applications must come through a licensed property and casualty agent. The $450,000 cap is the binding constraint in practice -- it sits far below what it costs to rebuild in much of Hawaii, so HPIA frequently cannot fully cover the homes that need it most, and its premiums are among the highest in the state. SECOND ENTITY WORTH KNOWING: the Hawaii Hurricane Relief Fund (HHRF), dormant since the early 2000s, was reactivated in 2025 under Act 296 alongside expanded HPIA powers, in response to a condominium insurance crisis in which associations saw one-year premium increases of 300% to 600%. As of early April 2026 HHRF had taken 311 hurricane-coverage submissions and issued 97 policies, roughly $2.7 million in premium -- all to condominium associations. It is a market-stabilization backstop aimed at that segment, not a general single-family homeowners option today.

Last updated 2026-08-28. How we source every figure