Gavop shows you how to buy homeowners insurance in North Kona, HI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $114,000 | $90,000 | $100,000-$125,000 |
| 2 Bedroom | $251,000 | $230,000 | $200,000-$250,000 |
| 3 Bedroom | $385,500 | $350,000 | $400,000-$500,000 |
| 4 Bedroom | $687,500 | $550,000 | $600,000-$700,000 |
| 5 Bedroom | $461,000 | $420,000 | $350,000-$400,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$94 | $952 |
| Home and Two Car | -$178 | $869 |
| Home and Three Car | -$251 | $795 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Hawaii County | $1,500 | $881 | $2,381 | $640 | $2,140 | $241 |
| Kona, HI | $2,000 | $1,034 | $3,034 | $751 | $2,751 | $283 |
| Holualoa, HI | $400 | $1,051 | $1,451 | $764 | $1,164 | $287 |
| Waikoloa Village, HI | $2,000 | $803 | $2,803 | $583 | $2,583 | $219 |
| Hawaii County, HI | $100 | $881 | $981 | $640 | $740 | $241 |
| North Hilo, HI | $2,000 | $881 | $2,881 | $640 | $2,640 | $241 |
| Kau, HI | $300 | $1,011 | $1,311 | $735 | $1,035 | $276 |
| Halaula, HI | $2,000 | $984 | $2,984 | $715 | $2,715 | $269 |
| Paauilo, HI | $100 | $713 | $813 | $518 | $618 | $195 |
| Hilo, HI | $1,000 | $858 | $1,858 | $624 | $1,624 | $235 |
| Volcano, HI | $500 | $642 | $1,142 | $467 | $967 | $176 |
| Mountain View, HI | $2,500 | $689 | $3,189 | $500 | $3,000 | $188 |
| Home Insurance Company Kona, HI | Homeowners Insurance Agency Kona, HI | Address | Popularity Score | Distance from Kona (miles) |
|---|---|---|---|---|
| State Farm | Wayne Yamauchi | 75-5591 Palani Rd Ste 2006, Kailua Kona, HI, 96740-3634 | 5.3 | |
| Allstate | Budar Insurance Agency | 75-5722 Kuakini Hwy Ste 101, Kailua Kona, HI, 96740 | 5.3 | |
| Allstate | Larry Mccabe | 75-5722 Kuakini Hwy Ste 101, Kailua Kona, HI, 96740 | 5.3 | |
| State Farm | Cheryl Kim | 64-1032 Mamalahoa Hwy Ste 202, Kamuela, HI, 96743-8441 | 29.7 | |
| State Farm | Lance Matsumura | 75-240 Nani Kailua Dr Ste 12, Kailua Kona, HI, 96740-2074 | 3.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Hawaii | $563,900 | $1,619 | $1,200 | $2,360 | $1,160 |
| Hawaii County, HI | $316,000 | $892 | $660 | $1,300 | $640 |
| Kona, HI | $489,900 | $1,047 | $770 | $1,530 | $760 |
| Holualoa, HI | $508,500 | $1,064 | $790 | $1,550 | $760 |
| Waikoloa Village, HI | $401,700 | $813 | $600 | $1,190 | $590 |
| Hawaii County, HI | $316,000 | $892 | $660 | $1,300 | $640 |
| North Hilo, HI | $298,700 | $892 | $660 | $1,300 | $640 |
| Kau, HI | $166,900 | $1,023 | $760 | $1,490 | $730 |
| Halaula, HI | $345,700 | $996 | $740 | $1,450 | $710 |
| Paauilo, HI | $216,700 | $722 | $530 | $1,050 | $520 |
| Hilo, HI | $304,800 | $869 | $640 | $1,270 | $630 |
| Volcano, HI | $185,500 | $650 | $480 | $950 | $470 |
| Mountain View, HI | $205,700 | $697 | $520 | $1,020 | $500 |