Hawaii renters insurance

Hawaii renters insurance coverages

Check out the four standard coverages on nearly all Hawaii renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics, whether they're inside your apartment or elsewhere
• Loss of use helps 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 protects you financially if you're legally responsible for another person's injuries or damage to their property
• Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in Hawaii is always a policy with customized coverage. Here are some extra options for when you need more protection:

• Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
• Personal injury coverage: May pay for legal fees and damages if you're liable for slander or defamation
• Water backup coverage: Water that backs up through sewers, or drains, or discharges from a sump pump may not be covered by a standard renters policy. Water backup coverage may pay for the damage to your belongings and water removal costs.

Learn more about all of our renters insurance coverages.

Is renters insurance required in Hawaii?

Renters insurance isn't required by law in Hawaii, but your landlord or rental company may require you to have a renters policy in place before you can move in. Even when optional, renters insurance offers affordable protection for tenants renting homes, condos, or apartments throughout Hawaii.

Is renters insurance worth it in Hawaii?

Renters insurance offers tenants renting in Hawaii affordable coverage in a variety of situations. For example:

• Your television is stolen during a burglary – personal property coverage may pay to replace the item, up to your coverage limit.
• A fire damages your apartment building, forcing you to live elsewhere while repairs are made. Loss of use coverage may pay for your hotel stay, and other costs associated with living elsewhere, up to your coverage limit.
• A visitor is injured at your residence and you're liable. Personal liability coverage may pay for medical bills and potential lawsuit costs, up your coverage limit.

What does renters insurance in Hawaii cost?

Progressive renters policies in Hawaii had an average monthly price of $21.35 or $256.17 for an annual policy in 2023.^** Remember that your cost for renters insurance is determined by many factors, including your location, type of residence, and claims history.

Coverage limits can also affect your premium. Taking a home inventory can help you determine the right amount of coverage. Use our personal property calculator to estimate the value of your belongings.

How can I save on renters insurance in Hawaii?

Progressive typically offers several renters insurance discounts to help lower the cost of your policy, such as living in a gated or secure community, quoting in advance, paying in full, or having multiple policies with Progressive.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436 or contact a local agent to help ensure you're getting all applicable discounts.