The five insurance providers that we looked to find the best homeowner insurance in Hawaii included two major players in the industry (Allstate and State Farm) as well as several regional carriers. In 2025, Hawaii’s homeowners market still blends national brands with local carriers and a limited last‑resort option for high lava‑risk areas. Standard HO‑3 coverage is actively offered by State Farm, Allstate and other national carriers alongside local companies such as First Insurance Company of Hawaii and DTRIC, with availability varying by island and ZIP code. Post‑wildfire underwriting is tighter in higher‑risk locations, and percentage hurricane deductibles (commonly 2%–5% of Coverage A) remain typical across the islands, per the Hawaii Insurance Division. For homes in Lava Hazard Zones 1–2 on Hawai‘i Island, the Hawaii Property Insurance Association (HPIA) continues to serve as a market of last resort when the voluntary market won’t quote. These realities, plus current consumer guidance from sources like Bankrate and NerdWallet, should help you compare quotes and select the best fit for your situation.
The Five Best Homeowners Insurance Companies in Hawaii
- Allstate – Best for New Homebuyers
- State Farm – Best Web Experience
- First Insurance Company of Hawaii – Best for Local Agents
- Hawaiian Insurance and Guaranty Company – Best for Discounts
- Universal North American Insurance – Best for Customer Service
Compare Hawaii’s Best Insurance Companies
| Reviews.com Score | Average Price | AM Best Financial Strength | J.D. Power Overall Customer Satisfaction | |
| Allstate | 4 | Quote required; island/ZIP and hurricane deductible affect price (2025 property premiums trending up mid‑single digits per BLS CPI) | Verify on AM Best | See latest J.D. Power |
| State Farm | 3.75 | Quote required; island/ZIP and hurricane deductible affect price (2025 property premiums trending up mid‑single digits per BLS CPI) | Verify on AM Best | See latest J.D. Power |
| First Insurance Co. of Hawaii | N/A | Quote required; local underwriting varies by island and construction | Verify on AM Best | N/A |
| Hawaiian Insurance & Guaranty Co. | N/A | Quote required; local underwriting varies by island and construction | Verify on AM Best | N/A |
| Universal North American Insurance Co. | N/A | Quote required; pricing varies by risk profile and hurricane deductible | Verify on AM Best | N/A |
Allstate
Allstate remains active in Hawaii’s standard market and offers HO‑3 policies with common percentage hurricane deductibles (often 2%–5%) and a wide set of discounts and digital tools. Availability and pricing vary by island, ZIP, and mitigation features (e.g., hurricane clips/straps, roof condition). Before binding, confirm perils, triggers and deductibles using the Hawaii Insurance Division guidance and compare quotes alongside other active carriers noted by Bankrate and NerdWallet.
Best for New Homebuyers
Why we chose it
Why we chose it
Pros
- Diverse discount opportunities (e.g., wind mitigation, multi‑policy)
- User-focused website and digital tools
- Active Hawaii underwriting with percentage hurricane deductible options
Cons
- Separate hurricane deductibles can increase out‑of‑pocket costs
Discounts available
- Early signing discount
- Homebuyer discount
- Wind mitigation (e.g., hurricane clips/straps) and smart‑home water shutoff/alarms
Unique features
Multiple hurricane deductible options (often 2%–5% of Coverage A) — ask how the deductible is triggered and priced. 2025 property premiums are rising mid‑single digits nationally per BLS CPI; compare quotes and mitigation credits.
J.D. Power U.S. Home Insurance studies use a 1,000-point scale; check the latest statewide and national scores before you buy.
Further Reading on Allstate:
State Farm
State Farm continues to write HO‑3 coverage in Hawaii through a large agent network and online tools. Expect separate hurricane/wind percentage deductibles and tighter underwriting in wildfire‑exposed areas following recent events. Compare quotes across islands and ask about mitigation credits and deductible options, using state consumer tips from the Hawaii Insurance Division and market overviews from Bankrate and NerdWallet.
Best Web Experience
Why we chose it
Why we chose it
Pros
- Financially stable national brand; strong catastrophe resources
- Detailed online quote tool and mobile app
- Wide agent network across the islands
Cons
- Fewer discretionary discounts than some rivals
- Separate hurricane deductibles may be higher in some areas
Discount available
- Multi-policy
- Fire, smoke, or burglar alarms discount
- Wind mitigation / fortified roof discount (location/eligibility dependent)
Unique features
Digital self‑service for quotes, billing and claims; ask how hurricane deductible triggers apply (e.g., named storm, watches/warnings), per state guidance.
Further Reading on State Farm:
First Insurance of Hawaii
First Insurance of Hawaii (FICOH) is a longstanding local carrier with agent distribution and knowledge of island building practices and hazards. Homeowners value local claims handling and familiarity with hurricane deductibles and wildfire defensible‑space expectations. Availability and pricing vary by island; verify financial strength directly and consult an agent for eligibility and options through FICOH and other local/national writers.
Best for Local Agents
Why we chose it
Why we chose it
Pros
- Local claims presence and island‑specific expertise
- Agent distribution for tailored guidance
- Active homeowners offering in Hawaii (subject to underwriting)
Cons
- Fewer online self‑service resources than national brands
- Discount/menu breadth can be narrower than large carriers
Discount available
- Multi-policy
- Renewal / claim‑free discounts (eligibility varies)
- Protective device and wind mitigation credits (where available)
Unique features
Hawaiian Insurance and Guaranty Company
Hawaiian Insurance and Guaranty Company has deep roots in the islands and works through local agents to tailor coverage. Expect underwriting that reflects local hurricane and wildfire risk, with percentage hurricane deductibles standard. Ask about protective device, wind mitigation and new‑home credits to offset 2025’s mid‑single‑digit property premium trend noted by the BLS.
Best for Discounts
Why we chose it
Why we chose it
Pros
- Extensive discount list via local agents
- Experience underwriting Hawaii perils
Cons
- Premiums can be higher in some risk pockets
- Digital experience less robust than national brands
- Confirm current financial strength and underwriting appetite
Discounts available
- Multi-policy
- Security systems and water‑leak/automatic shutoff devices
- Loss‑free / newly purchased home / superior construction (where eligible)
- Union/affinity group (if applicable)
Unique features
Local service and an emphasis on wind and wildfire readiness; ask about defensible space and roof upgrades for potential credits, as encouraged by current market guidance (Bankrate, NerdWallet).
Universal North American Insurance Co.
Universal North American continues to operate as a smaller writer in Hawaii’s market. Pricing competitiveness depends on island, risk profile, and deductible selection, and many homeowners have seen property premiums rise since 2022 due to catastrophe losses and reinsurance costs (BLS CPI; NOAA billion‑dollar disasters). Verify current financial strength directly with AM Best and compare quotes.
Best for Customer Service
Why we chose it
Why we chose it
Pros
- 24/7 customer service
- Online claim tool
- Potentially competitive quotes depending on risk profile
Cons
- Website usability can be limited
- Discount and coverage menus may be narrower than larger brands
Discounts available
Paperless billing discount
Unique features
24/7 service and basic digital claims intake; confirm perils and hurricane deductible triggers match lender needs and state guidance (Hawaii Insurance Division).
Average Cost of Homeowners Insurance in Hawaii
There is no single statewide “average” that reliably applies to every island or ZIP code, and recent events have pushed prices higher. Nationally, homeowners/renters insurance premiums rose at mid‑single‑digit rates in 2025 according to the BLS “tenants’ and household insurance” CPI, and 2024 saw a record 28 U.S. billion‑dollar weather disasters, which keeps property pricing elevated. In Hawaii, premiums still tend to be lower than many mainland coastal or wildfire states, but your price depends heavily on island/ZIP, construction, roof age, loss history, and the hurricane deductible you select (commonly 2%–5% of Coverage A per state guidance). Sources such as Bankrate and NerdWallet recommend comparing multiple quotes, especially across local and national carriers.
Home insurance add-ons that will further protect you
Because the island state is prone to tropical storms and hurricanes, Hawaii homeowners will likely be advised by insurers to acquire flood insurance, and in some parts of the state, it may even be required due to risk. While not typically included in a standard home insurance policy, homeowners insurance companies may partner with flood insurance providers to offer this, or will facilitate the purchase through a government program such as the National Flood Insurance Program. Alternatively, you may be able to find flood insurance from a private company, separate from your home insurer. In 2024–2025, carriers also emphasized resilience‑focused add‑ons like water backup, service line, equipment breakdown/home systems, ordinance or law, extended or guaranteed replacement cost, wildfire mitigation credits (defensible space, Class A/fortified roof), and even personal cyber/identity endorsements — modular options that many insurers now offer, according to industry analyses (Marsh Global Insurance Market Index; Swiss Re Institute sigma).
According to the U.S. Geological Survey, Hawaii experiences thousands of earthquakes every year. Most of the seismic activity is imperceptible and is caused by magma movement from volcanoes. But the earthquake record for the state shows an average of one magnitude 6 or greater earthquake every 10 years, so you might want to get this coverage added to your policy. Most homeowners insurance policies exclude earthquake coverage in their basic policies, which means that you may have to pay extra to get this added protection. For flood, FEMA’s Risk Rating 2.0 uses property‑specific factors and phases in risk‑based NFIP premiums with most annual increases capped, as outlined in FEMA’s state profile.
The Cheapest Homeowner Insurance Companies in Hawaii
| Company | Average annual rate for $200K in dwelling coverage |
| Universal North American Insurance Company | Get quote; pricing varies by island/ZIP and hurricane deductible |
| Allstate | Get quote; pricing varies by island/ZIP and hurricane deductible |
| First Insurance Company of Hawaii | Get quote; local underwriting varies by island and construction |
| Hawaiian Insurance & Guaranty Company | Get quote; local underwriting varies by island and construction |
| State Farm | Get quote; pricing varies by island/ZIP and hurricane deductible |
Cost of Homeowners Insurance by Age of Home
| Age of Home (years) | Average annual rate for $200K in dwelling coverage |
| 0-10 | Get quote; newer construction often qualifies for mitigation credits |
| 10-25 | Get quote; price influenced by roof age and wind/hurricane features |
| 25-50 | Get quote; updates to roof/electrical/plumbing can affect eligibility |
| 50+ | Get quote; condition and upgrades drive pricing and deductibles |
Top 3 Cheapest Homeowners Insurance Companies in Hawaii
- Universal North American Insurance – Include in your quote set; pricing depends on island/ZIP and selected hurricane deductible (2025 property premiums trending up mid‑single digits per BLS CPI)
- Allstate – Competitive for many primary residences with bundling and wind‑mitigation credits; verify deductible triggers per state guidance
- First Insurance Company of Hawaii– Local underwriting and claims presence; worth quoting alongside national carriers (FICOH)
Top 2 Most Expensive Homeowners Insurance Companies in Hawaii
- Hawaiian Insurance & Guaranty Company – Pricing reflects local risk and coverage; ask about discounts and mitigation credits to offset costs
- State Farm – Premiums and hurricane deductibles vary by risk profile; compare quotes and deductible options across carriers
Resources Helpful for Hawaii Homeowners
Different local communities in Hawaii offer home rehabilitation loan programs, such as the one offered by the Honolulu city and county Community Assistance Division. Residents may be able to take advantage of these opportunities to help protect their homes for the future. For first-time home buyers looking to acquire a residence, the Hula Mae Mortgage Loan Program may help individuals or families who qualify acquire a 30-year mortgage at extremely low rates. In addition, homeowners can look for federally funded repair and resilience programs administered locally, including HUD’s Community Development Block Grant (CDBG) home repair efforts and the U.S. DOE’s Home Energy Rebates rolling out across states. For insurance availability and disaster guidance (including wildfire resources and hurricane backstops), see the Hawaii Insurance Division and background on the state’s Hawaii Hurricane Relief Fund (HHRF) framework.
Homeowners Insurance FAQ
Methodology
We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:
- Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings and verified the latest study outcomes via J.D. Power press releases.
- Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available, with emphasis on 2024–2025 resilience and prevention endorsements (e.g., service line, water backup, extended/guaranteed replacement cost, wildfire mitigation, personal cyber) highlighted by Marsh and Swiss Re.
- Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings and guidance, and we instruct readers to verify current ratings and outlooks, which can change after catastrophe losses.
- Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index and paired it with state consumer guidance from the Hawaii Insurance Division. We also incorporate macro pricing context from the BLS CPI and disaster frequency from NOAA to frame 2025 property trends.
