Gavop shows you how to buy homeowners insurance in Kauai County, 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 | $177,500 | $140,000 | $175,000-$200,000 |
| 2 Bedroom | $333,500 | $310,000 | $250,000-$300,000 |
| 3 Bedroom | $602,500 | $500,000 | $700,000-$800,000 |
| 4 Bedroom | $818,000 | $740,000 | $900,000-$1,000,000 |
| 5 Bedroom | $968,500 | $820,000 | $800,000-$900,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$219 | $1,151 |
| Superior Protection Discount | -$123 | $1,247 |
| Fire & Security Discount | -$137 | $1,233 |
| Hail Resistant Roof Discount | -$27 | $1,342 |
| Newly Constructed Home Discount | -$370 | $1,000 |
| 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 |
| Kauai County | $2,000 | $1,353 | $3,353 | $984 | $2,984 | $370 |
| Kauai County, HI | $1,500 | $1,353 | $2,853 | $984 | $2,484 | $370 |
| Kekaha-Waimea, HI | $100 | $1,058 | $1,158 | $769 | $869 | $289 |
| Hanapepe, HI | $1,500 | $1,129 | $2,629 | $821 | $2,321 | $309 |
| Eleele, HI | $300 | $1,173 | $1,473 | $852 | $1,152 | $320 |
| Kalaheo, HI | $2,000 | $1,819 | $3,819 | $1,322 | $3,322 | $497 |
| Poipu, HI | $300 | $2,254 | $2,554 | $1,638 | $1,938 | $616 |
| Kalihiwai, HI | $2,000 | $2,453 | $4,453 | $1,783 | $3,783 | $670 |
| Lihue, HI | $300 | $977 | $1,277 | $710 | $1,010 | $267 |
| Anahola, HI | $2,500 | $1,220 | $3,720 | $887 | $3,387 | $333 |
| Home Insurance Company Kauai County, HI | Homeowners Insurance Agency Kauai County, HI | Address | Popularity Score | Distance from Kauai County (miles) |
|---|---|---|---|---|
| Allstate | Bradley Maruyama | 4491 Rice St Ste 101, Lihue, HI, 96766 | 21.7 | |
| State Farm | Eric Kaneda | 2970 Haleko Rd Ste 106, Lihue, HI, 96766-1380 | 21.7 | |
| Allstate | Renee Hicks | 4-1579 Kuhio Hwy Ste 103, Kapaa, HI, 96746 | 25.6 | |
| State Farm | Mike Martinez | 4-831 Kuhio Hwy Ste 426 # C5, Kapaa, HI, 96746-1574 | 25.0 | |
| State Farm | Darrellyn Lemke | 4-1593 Kuhio Hwy, Kapaa, HI, 96746-1831 | 25.6 |
| 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 |
| Kauai County, HI | $520,100 | $1,370 | $1,010 | $2,000 | $990 |
| Kauai County, HI | $520,100 | $1,370 | $1,010 | $2,000 | $990 |
| Kekaha-Waimea, HI | $376,000 | $1,071 | $790 | $1,560 | $770 |
| Hanapepe, HI | $401,800 | $1,143 | $850 | $1,670 | $820 |
| Eleele, HI | $415,900 | $1,187 | $880 | $1,730 | $850 |
| Kalaheo, HI | $672,600 | $1,841 | $1,360 | $2,690 | $1,330 |
| Poipu, HI | $931,100 | $2,281 | $1,690 | $3,330 | $1,640 |
| Kalihiwai, HI | $1,080,900 | $2,483 | $1,840 | $3,630 | $1,790 |
| Lihue, HI | $546,300 | $989 | $730 | $1,440 | $710 |
| Anahola, HI | $430,400 | $1,235 | $910 | $1,800 | $890 |