Gavop's guide to buying homeowners insurance in Haiku-Pauwela, 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 | $150,500 | $140,000 | $125,000-$150,000 |
| 2 Bedroom | $298,500 | $270,000 | $250,000-$300,000 |
| 3 Bedroom | $404,500 | $380,000 | $350,000-$400,000 |
| 4 Bedroom | $675,000 | $610,000 | $700,000-$800,000 |
| 5 Bedroom | $538,500 | $470,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$164 | $930 |
| Superior Protection Discount | -$98 | $995 |
| Fire & Security Discount | -$77 | $1,017 |
| Hail Resistant Roof Discount | -$22 | $1,072 |
| Newly Constructed Home Discount | -$263 | $831 |
| 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 | $1,000 | $1,449 | $2,449 | $1,053 | $2,053 | $396 |
| Pauwela, HI | $1,500 | $1,081 | $2,581 | $785 | $2,285 | $295 |
| Keokea, HI | $300 | $1,289 | $1,589 | $937 | $1,237 | $352 |
| Wailuku, HI | $2,500 | $936 | $3,436 | $680 | $3,180 | $256 |
| Maalaea, HI | $100 | $1,094 | $1,194 | $795 | $895 | $299 |
| Hana, HI | $2,500 | $1,162 | $3,662 | $844 | $3,344 | $318 |
| Waikapu, HI | $300 | $1,592 | $1,892 | $1,157 | $1,457 | $435 |
| Makena, HI | $2,000 | $528 | $2,528 | $383 | $2,383 | $144 |
| Olowalu, HI | $300 | $2,702 | $3,002 | $1,964 | $2,264 | $738 |
| Lahaina, HI | $1,500 | $954 | $2,454 | $693 | $2,193 | $261 |
| Kaanapali, HI | $200 | $2,451 | $2,651 | $1,781 | $1,981 | $670 |
| Ualapu'e, HI | $2,500 | $867 | $3,367 | $630 | $3,130 | $237 |
| Home Insurance Company Pauwela, HI | Homeowners Insurance Agency Pauwela, HI | Address | Popularity Score | Distance from Pauwela (miles) |
|---|---|---|---|---|
| Allstate | Matthew Cerizo | 320 Ohukai Rd Ste 406, Kihei, HI, 96753 | 15.9 | |
| Allstate | Matthew Cerizo | 350 Hoohana St Ste C1, Kahului, HI, 96732 | 13.3 | |
| State Farm | Wayde Omura | 331 Hookahi St Ste 105, Wailuku, HI, 96793-1465 | 14.7 | |
| Allstate | Daniel Dennis | 169 Maa St Ste 100, Kahului, HI, 96732 | 15.7 | |
| State Farm | Kit Okazaki | 81 Makawao Ave Ste 105, Makawao, HI, 96768-8894 | 7.5 | |
| State Farm | Paul Macdonald | 74 Lono Ave Ste 206a, Kahului, HI, 96732-1626 | 13.7 | |
| State Farm | Mark Rich | 444 Hana Hwy Ste 212, Kahului, HI, 96732-2315 | 12.7 | |
| State Farm | Marianne Curry | 1279 S Kihei Rd Ste 106, Kihei, HI, 96753-5222 | 17.2 | |
| Allstate | Andrew Ku | 1885 Main St Ste 103, Wailuku, HI, 96793 | 15.7 | |
| State Farm | Mark Rich | 444 Hana Highway, Ste 212, Kahului, HI, 96732-3215 | 12.7 |
| 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 |
| Maui County, HI | $569,100 | $1,467 | $1,090 | $2,140 | $1,050 |
| Pauwela, HI | $761,900 | $1,094 | $810 | $1,600 | $790 |
| Keokea, HI | $450,000 | $1,305 | $970 | $1,910 | $940 |
| Wailuku, HI | $457,100 | $947 | $700 | $1,380 | $680 |
| Maalaea, HI | $389,000 | $1,107 | $820 | $1,620 | $800 |
| Hana, HI | $412,600 | $1,176 | $870 | $1,720 | $850 |
| Waikapu, HI | $560,300 | $1,611 | $1,190 | $2,350 | $1,160 |
| Makena, HI | $2,000,001 | $534 | $400 | $780 | $380 |
| Olowalu, HI | $1,316,200 | $2,735 | $2,020 | $3,990 | $1,970 |
| Lahaina, HI | $637,000 | $965 | $710 | $1,410 | $700 |
| Kaanapali, HI | $1,079,200 | $2,481 | $1,840 | $3,620 | $1,780 |
| Ualapu'e, HI | $291,700 | $878 | $650 | $1,280 | $630 |