Gavop shows you how to buy homeowners insurance in Wailuku, 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 | $125,000 | $120,000 | $100,000-$125,000 |
| 2 Bedroom | $208,000 | $200,000 | $175,000-$200,000 |
| 3 Bedroom | $322,500 | $290,000 | $250,000-$300,000 |
| 4 Bedroom | $653,000 | $570,000 | $500,000-$600,000 |
| 5 Bedroom | $464,000 | $390,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$180 | $767 |
| Superior Protection Discount | -$85 | $862 |
| Fire & Security Discount | -$104 | $843 |
| Hail Resistant Roof Discount | -$19 | $928 |
| Newly Constructed Home Discount | -$208 | $739 |
| 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 |
| Maui County | $2,500 | $1,449 | $3,949 | $1,053 | $3,553 | $396 |
| Wailuku, HI | $700 | $936 | $1,636 | $680 | $1,380 | $256 |
| Kihei, HI | $500 | $959 | $1,459 | $697 | $1,197 | $262 |
| Paia, HI | $700 | $1,722 | $2,422 | $1,251 | $1,951 | $471 |
| Lahaina, HI | $100 | $954 | $1,054 | $693 | $793 | $261 |
| Pukalani, HI | $2,000 | $979 | $2,979 | $711 | $2,711 | $267 |
| Haliimaile, HI | $100 | $1,274 | $1,374 | $926 | $1,026 | $348 |
| Kaanapali, HI | $1,500 | $2,451 | $3,951 | $1,781 | $3,281 | $670 |
| Wailea, HI | $500 | $1,160 | $1,660 | $843 | $1,343 | $317 |
| Haiku-Pauwela, HI | $700 | $1,081 | $1,781 | $785 | $1,485 | $295 |
| Lanai, HI | $200 | $1,129 | $1,329 | $821 | $1,021 | $309 |
| Kaunakakai, HI | $700 | $922 | $1,622 | $670 | $1,370 | $252 |
| Home Insurance Company Wailuku, HI | Homeowners Insurance Agency Wailuku, HI | Address | Popularity Score | Distance from Wailuku (miles) |
|---|---|---|---|---|
| Allstate | Matthew Cerizo | 320 Ohukai Rd Ste 406, Kihei, HI, 96753 | 8.7 | |
| Allstate | Matthew Cerizo | 350 Hoohana St Ste C1, Kahului, HI, 96732 | 2.7 | |
| State Farm | Wayde Omura | 331 Hookahi St Ste 105, Wailuku, HI, 96793-1465 | 1.4 | |
| Allstate | Daniel Dennis | 169 Maa St Ste 100, Kahului, HI, 96732 | 1.7 | |
| State Farm | Kit Okazaki | 81 Makawao Ave Ste 105, Makawao, HI, 96768-8894 | 11.7 | |
| State Farm | Paul Macdonald | 74 Lono Ave Ste 206a, Kahului, HI, 96732-1626 | 2.2 | |
| State Farm | Mark Rich | 444 Hana Hwy Ste 212, Kahului, HI, 96732-2315 | 3.2 | |
| State Farm | Marianne Curry | 1279 S Kihei Rd Ste 106, Kihei, HI, 96753-5222 | 10.2 | |
| Allstate | Andrew Ku | 1885 Main St Ste 103, Wailuku, HI, 96793 | 0.3 | |
| State Farm | Mark Rich | 444 Hana Highway, Ste 212, Kahului, HI, 96732-3215 | 3.2 |
| 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 |
| Maui County, HI | $569,100 | $1,467 | $1,090 | $2,140 | $1,050 |
| Wailuku, HI | $457,100 | $947 | $700 | $1,380 | $680 |
| Kihei, HI | $532,800 | $971 | $720 | $1,420 | $700 |
| Paia, HI | $623,300 | $1,743 | $1,290 | $2,540 | $1,250 |
| Lahaina, HI | $637,000 | $965 | $710 | $1,410 | $700 |
| Pukalani, HI | $620,300 | $991 | $730 | $1,450 | $720 |
| Haliimaile, HI | $445,800 | $1,289 | $950 | $1,880 | $930 |
| Kaanapali, HI | $1,079,200 | $2,481 | $1,840 | $3,620 | $1,780 |
| Wailea, HI | $936,400 | $1,174 | $870 | $1,710 | $840 |
| Haiku-Pauwela, HI | $761,900 | $1,094 | $810 | $1,600 | $790 |
| Lanai, HI | $401,600 | $1,143 | $850 | $1,670 | $820 |
| Kaunakakai, HI | $317,800 | $933 | $690 | $1,360 | $670 |