How Can I Make My Hilo, HI Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Hilo, HI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your Hilo, HI Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $88,500 | $80,000 | $50,000-$75,000 |
| 2 Bedroom | $177,000 | $160,000 | $150,000-$175,000 |
| 3 Bedroom | $294,000 | $270,000 | $250,000-$300,000 |
| 4 Bedroom | $402,000 | $330,000 | $350,000-$400,000 |
| 5 Bedroom | $246,000 | $210,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Hilo, HI | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$130 | $738 |
| Superior Protection Discount | -$78 | $791 |
| Fire & Security Discount | -$96 | $773 |
| Hail Resistant Roof Discount | -$26 | $843 |
| Newly Constructed Home Discount | -$182 | $686 |
Choose the Right Deductible for your Hilo, HI Home | Back to Top
| 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 | $2,000 | $881 | $2,881 | $640 | $2,640 | $241 |
| Hilo, HI | $1,500 | $858 | $2,358 | $624 | $2,124 | $235 |
| Paukaa, HI | $500 | $1,037 | $1,537 | $754 | $1,254 | $284 |
| Kurtistown, HI | $2,000 | $858 | $2,858 | $623 | $2,623 | $234 |
| Honomu, HI | $200 | $665 | $865 | $483 | $683 | $182 |
| Fern Acres, HI | $700 | $594 | $1,294 | $432 | $1,132 | $162 |
| Eden Roc, HI | $200 | $416 | $616 | $302 | $502 | $114 |
| Laupahoehoe, HI | $1,500 | $1,047 | $2,547 | $761 | $2,261 | $286 |
| Nanawale Estates, HI | $500 | $552 | $1,052 | $401 | $901 | $151 |
| Waimea, HI | $2,500 | $784 | $3,284 | $570 | $3,070 | $214 |
| Kukuihaele, HI | $200 | $938 | $1,138 | $681 | $881 | $256 |
| Waikoloa Village, HI | $1,000 | $803 | $1,803 | $583 | $1,583 | $219 |
Identify Top Home Insurance Agents near Hilo, HI | Back to Top
| Home Insurance Company Hilo, HI | Homeowners Insurance Agency Hilo, HI | Address | Popularity Score | Distance from Hilo (miles) |
|---|---|---|---|---|
| Allstate | Kris Speegle | 1289 Kilauea Ave Ste D, Hilo, HI, 96720 | 10.4 | |
| State Farm | Wayne Yamauchi | 75-5591 Palani Rd Ste 2006, Kailua Kona, HI, 96740-3634 | 49.6 | |
| Allstate | Budar Insurance Agency | 75-5722 Kuakini Hwy Ste 101, Kailua Kona, HI, 96740 | 49.5 | |
| State Farm | Nelson Fukuhara | 274 Waianuenue Ave, Hilo, HI, 96720-2446 | 9.7 | |
| State Farm | Robert Shimabuk | 16-566 Keaau Pahoa Rd Ste 122, Keaau, HI, 96749-8137 | 13.5 | |
| State Farm | Lance Matsumura | 75-240 Nani Kailua Dr Ste 12, Kailua Kona, HI, 96740-2074 | 47.8 | |
| State Farm | Robert Shimabuku | 16-566 Keaau - Pahoa Rd. #122, Keaau, HI, 96749 | 13.5 | |
| State Farm | Cheryl Kim | 64-1032 Mamalahoa Hwy Ste 202, Kamuela, HI, 96743-8441 | 36.2 | |
| Allstate | Larry Mccabe | 75-5722 Kuakini Hwy Ste 101, Kailua Kona, HI, 96740 | 49.5 | |
| Allstate | Calen Matsuno | 282 Ululani St, Hilo, HI, 96720 | 9.8 |
Compare Rates for Hilo, HI Home Insurance Providers | Back to Top
| 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 |
| Hilo, HI | $304,800 | $869 | $640 | $1,270 | $630 |
| Paukaa, HI | $367,900 | $1,050 | $780 | $1,530 | $750 |
| Kurtistown, HI | $287,100 | $868 | $640 | $1,270 | $630 |
| Honomu, HI | $195,300 | $673 | $500 | $980 | $480 |
| Fern Acres, HI | $165,900 | $601 | $440 | $880 | $440 |
| Eden Roc, HI | $106,300 | $421 | $310 | $610 | $300 |
| Laupahoehoe, HI | $371,900 | $1,060 | $780 | $1,550 | $770 |
| Nanawale Estates, HI | $150,500 | $559 | $410 | $820 | $410 |
| Waimea, HI | $392,300 | $793 | $590 | $1,160 | $570 |
| Kukuihaele, HI | $325,000 | $949 | $700 | $1,390 | $690 |
| Waikoloa Village, HI | $401,700 | $813 | $600 | $1,190 | $590 |
Research Home Insurance Companies Reviews in Hilo, HI Before Buying | Back to Top
Share a review on your home insurance company
GEICO Home Insurance Reviews
Date: September 10, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I am a new custommer to GEICO. Service has been excellent so far! Though to be honest, I have not had to make a claim with my home insurance at all.
Date: July 16, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
I haven't had to use my insurance for home insurance purposes. The only times I have had to call I have had good customer service experiences.
Liberty Mutual Home Insurance Reviews
Date: May 22, 2019 Age: 30 to 39 Gender: Unmarried Marital Status: Female
Customer Service
When I call the company, sometime it takes a while before I can reach someone. I get home in the evenings so this can be annoying at times
Allstate Home Insurance Reviews
Date: October 17, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
So far our experience has been fine. We haven't had any claims so it has been relatively low in communication.