Gavop shows you how to buy homeowners insurance in Pahoa-Kalapana, 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 | $75,500 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $147,000 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $305,000 | $280,000 | $250,000-$300,000 |
| 4 Bedroom | $237,500 | $200,000 | $250,000-$300,000 |
| 5 Bedroom | $474,000 | $380,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $530 |
| Superior Protection Discount | -$65 | $588 |
| Fire & Security Discount | -$52 | $601 |
| Hail Resistant Roof Discount | -$13 | $641 |
| Newly Constructed Home Discount | -$144 | $510 |
| 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 | $700 | $881 | $1,581 | $640 | $1,340 | $241 |
| Kalapana, HI | $2,500 | $646 | $3,146 | $469 | $2,969 | $177 |
| Ainaloa, HI | $100 | $566 | $666 | $411 | $511 | $155 |
| Paukaa, HI | $1,500 | $1,037 | $2,537 | $754 | $2,254 | $284 |
| Papaikou, HI | $300 | $602 | $902 | $437 | $737 | $164 |
| North Hilo, HI | $1,000 | $881 | $1,881 | $640 | $1,640 | $241 |
| Papaikou-Wailea, HI | $500 | $804 | $1,304 | $584 | $1,084 | $220 |
| Paauhau-Paauilo, HI | $1,500 | $881 | $2,381 | $640 | $2,140 | $241 |
| Waiohinu, HI | $100 | $733 | $833 | $533 | $633 | $200 |
| Discovery Harbour, HI | $1,500 | $860 | $2,360 | $625 | $2,125 | $235 |
| Paauilo, HI | $300 | $713 | $1,013 | $518 | $818 | $195 |
| Honaunau-Napoopoo, HI | $1,000 | $1,429 | $2,429 | $1,038 | $2,038 | $390 |
| Home Insurance Company Kalapana, HI | Homeowners Insurance Agency Kalapana, HI | Address | Popularity Score | Distance from Kalapana (miles) |
|---|---|---|---|---|
| Allstate | Kris Speegle | 1289 Kilauea Ave Ste D, Hilo, HI, 96720 | 19.5 | |
| State Farm | Nelson Fukuhara | 274 Waianuenue Ave, Hilo, HI, 96720-2446 | 20.5 | |
| State Farm | Robert Shimabuk | 16-566 Keaau Pahoa Rd Ste 122, Keaau, HI, 96749-8137 | 13.8 | |
| State Farm | Robert Shimabuku | 16-566 Keaau - Pahoa Rd. #122, Keaau, HI, 96749 | 13.8 | |
| Allstate | Calen Matsuno | 282 Ululani St, Hilo, HI, 96720 | 20.2 | |
| State Farm | Nelson Fukuhara Ltcp | 274 Waianuenue Avenue, Hilo, HI, 96720-2446 | 20.5 | |
| State Farm | Cary Ichinose | 630 Kilauea Ave Ste 102, Hilo, HI, 96720-4243 | 20.0 | |
| State Farm | Iris Kuwaye | 9 Lei St, Hilo, HI, 96720-7208 | 19.7 |
| 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 |
| Kalapana, HI | $208,200 | $654 | $480 | $950 | $470 |
| Ainaloa, HI | $155,600 | $573 | $420 | $840 | $420 |
| Paukaa, HI | $367,900 | $1,050 | $780 | $1,530 | $750 |
| Papaikou, HI | $169,000 | $609 | $450 | $890 | $440 |
| North Hilo, HI | $298,700 | $892 | $660 | $1,300 | $640 |
| Papaikou-Wailea, HI | $260,700 | $814 | $600 | $1,190 | $590 |
| Paauhau-Paauilo, HI | $298,600 | $892 | $660 | $1,300 | $640 |
| Waiohinu, HI | $226,300 | $742 | $550 | $1,080 | $530 |
| Discovery Harbour, HI | $287,800 | $870 | $640 | $1,270 | $630 |
| Paauilo, HI | $216,700 | $722 | $530 | $1,050 | $520 |
| Honaunau-Napoopoo, HI | $484,200 | $1,446 | $1,070 | $2,110 | $1,040 |