Gavop's guide to buying homeowners insurance in Waimea, HI covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $116,000 | $100,000 | $125,000-$150,000 |
| 2 Bedroom | $256,500 | $210,000 | $200,000-$250,000 |
| 3 Bedroom | $336,500 | $270,000 | $350,000-$400,000 |
| 4 Bedroom | $359,000 | $290,000 | $350,000-$400,000 |
| 5 Bedroom | $644,500 | $600,000 | $700,000-$800,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$151 | $643 |
| Superior Protection Discount | -$79 | $714 |
| Fire & Security Discount | -$79 | $714 |
| Hail Resistant Roof Discount | -$16 | $778 |
| Newly Constructed Home Discount | -$230 | $563 |
| 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 | $1,000 | $881 | $1,881 | $640 | $1,640 | $241 |
| Waimea, HI | $1,000 | $784 | $1,784 | $570 | $1,570 | $214 |
| Hawi, HI | $400 | $950 | $1,350 | $691 | $1,091 | $260 |
| North Hilo, HI | $2,500 | $881 | $3,381 | $640 | $3,140 | $241 |
| North Kona, HI | $400 | $1,034 | $1,434 | $751 | $1,151 | $283 |
| Holualoa, HI | $2,000 | $1,051 | $3,051 | $764 | $2,764 | $287 |
| Papaikou-Wailea, HI | $200 | $804 | $1,004 | $584 | $784 | $220 |
| Kahaluu-Keauhou, HI | $1,000 | $1,690 | $2,690 | $1,228 | $2,228 | $462 |
| Captain Cook, HI | $400 | $1,442 | $1,842 | $1,048 | $1,448 | $394 |
| Honaunau-Napoopoo, HI | $700 | $1,429 | $2,129 | $1,038 | $1,738 | $390 |
| Keaau, HI | $200 | $906 | $1,106 | $658 | $858 | $248 |
| Hawaiian Acres, HI | $1,000 | $656 | $1,656 | $477 | $1,477 | $179 |
| Home Insurance Company Waimea, HI | Homeowners Insurance Agency Waimea, HI | Address | Popularity Score | Distance from Waimea (miles) |
|---|---|---|---|---|
| Allstate | Kris Speegle | 1289 Kilauea Ave Ste D, Hilo, HI, 96720 | 41.3 | |
| Allstate | Budar Insurance Agency | 75-5722 Kuakini Hwy Ste 101, Kailua Kona, HI, 96740 | 34.9 | |
| State Farm | Wayne Yamauchi | 75-5591 Palani Rd Ste 2006, Kailua Kona, HI, 96740-3634 | 34.7 | |
| State Farm | Nelson Fukuhara | 274 Waianuenue Ave, Hilo, HI, 96720-2446 | 40.0 | |
| State Farm | Robert Shimabuk | 16-566 Keaau Pahoa Rd Ste 122, Keaau, HI, 96749-8137 | 46.6 | |
| State Farm | Robert Shimabuku | 16-566 Keaau - Pahoa Rd. #122, Keaau, HI, 96749 | 46.6 | |
| State Farm | Cheryl Kim | 64-1032 Mamalahoa Hwy Ste 202, Kamuela, HI, 96743-8441 | 2.4 | |
| State Farm | Iris Kuwaye | 9 Lei St, Hilo, HI, 96720-7208 | 41.1 | |
| Allstate | Larry Mccabe | 75-5722 Kuakini Hwy Ste 101, Kailua Kona, HI, 96740 | 34.9 | |
| Allstate | Calen Matsuno | 282 Ululani St, Hilo, HI, 96720 | 40.3 |
| 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 |
| Waimea, HI | $392,300 | $793 | $590 | $1,160 | $570 |
| Hawi, HI | $331,200 | $962 | $710 | $1,400 | $690 |
| North Hilo, HI | $298,700 | $892 | $660 | $1,300 | $640 |
| North Kona, HI | $489,900 | $1,047 | $770 | $1,530 | $760 |
| Holualoa, HI | $508,500 | $1,064 | $790 | $1,550 | $760 |
| Papaikou-Wailea, HI | $260,700 | $814 | $600 | $1,190 | $590 |
| Kahaluu-Keauhou, HI | $607,800 | $1,711 | $1,270 | $2,500 | $1,230 |
| Captain Cook, HI | $487,300 | $1,460 | $1,080 | $2,130 | $1,050 |
| Honaunau-Napoopoo, HI | $484,200 | $1,446 | $1,070 | $2,110 | $1,040 |
| Keaau, HI | $310,600 | $917 | $680 | $1,340 | $660 |
| Hawaiian Acres, HI | $191,200 | $664 | $490 | $970 | $480 |