Hawaii homeowners insurance

Strong winds and heavy tropical rains are common risk factors for homeowners in the Aloha State. Hawaii residents can protect their homes and assets from weather damage and more with a homeowners insurance policy from Progressive. We specialize in making homeowners insurance affordable with discounts customized to Hawaii homeowners.

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How you're covered

A typical policy in Hawaii may include the following homeowners insurance coverages:

Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

If your policy covers windstorms, you might have a separate deductible for hurricane or wind damage. This deductible is often higher than your policy's standard deductible and could be a percentage of one or more of your coverage limits. Learn more about coverage for hurricanes.

Did you know?

According to GoHawaii.com, the Hawaiian Islands are unique in that they contain "micro-environments," each with their own plant and animal species. The vast, volcanic mountains cause differing weather patterns at various elevations, yielding "tropical rainforests, cool alpine regions, arid deserts, and sunny beaches – all within the span of just a few miles.".

Additional coverages to consider for Hawaii

In some cases, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate standalone policy for specific perils and hazards not typically covered on a standard homeowners policy. If available, you may want to consider:

Flood: Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
Umbrella: An umbrella policy may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
Sump pump: Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as on optional coverage, if available, may help in the event of sewage back-up or sump pump overflow due to heavy storms.

How much is homeowners insurance in Hawaii?

The cost for homeowners insurance in Hawaii varies based on many factors, including your location, type of home, and coverage limits.

Helping you save on homeowners insurance in Hawaii

There are lots of Progressive discounts on homeowners insurance available, including discounts for quoting in advance and installing a home security system. Get a homeowners insurance quote for Hawaii to see how you can save with these discounts.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436 or speak with your agent to help ensure you're getting all discounts currently applicable to you and where you live.

Is homeowners insurance required by law in Hawaii?

Homeowners insurance isn't required in the state of Hawaii, but if you're financing your home through a mortgage lender, they'll probably require homeowners insurance as part of your loan terms. Note that even if your home is paid off and you own it outright, you'll still want to consider homeowners insurance because your home is likely your most valuable asset.