Gavop shows you how to buy homeowners insurance in Hawaii 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 | $122,000 | $100,000 | $125,000-$150,000 |
| 2 Bedroom | $274,500 | $240,000 | $200,000-$250,000 |
| 3 Bedroom | $366,500 | $300,000 | $300,000-$350,000 |
| 4 Bedroom | $466,000 | $410,000 | $400,000-$500,000 |
| 5 Bedroom | $925,000 | $840,000 | $700,000-$800,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$152 | $740 |
| Superior Protection Discount | -$80 | $812 |
| Fire & Security Discount | -$98 | $794 |
| Hail Resistant Roof Discount | -$18 | $874 |
| Newly Constructed Home Discount | -$232 | $660 |
| 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 |
| Hawaii County, HI | $1,000 | $881 | $1,881 | $640 | $1,640 | $241 |
| North Hilo, HI | $500 | $881 | $1,381 | $640 | $1,140 | $241 |
| Kau, HI | $2,000 | $1,011 | $3,011 | $735 | $2,735 | $276 |
| Eden Roc, HI | $100 | $416 | $516 | $302 | $402 | $114 |
| Pahoa-Kalapana, HI | $1,500 | $646 | $2,146 | $469 | $1,969 | $177 |
| Waikoloa Village, HI | $200 | $803 | $1,003 | $583 | $783 | $219 |
| Laupahoehoe, HI | $1,500 | $1,047 | $2,547 | $761 | $2,261 | $286 |
| Paauilo, HI | $400 | $713 | $1,113 | $518 | $918 | $195 |
| Kukuihaele, HI | $1,500 | $938 | $2,438 | $681 | $2,181 | $256 |
| Hawaiian Ocean View, HI | $500 | $527 | $1,027 | $383 | $883 | $144 |
| North Kohala, HI | $1,500 | $1,031 | $2,531 | $750 | $2,250 | $282 |
| Home Insurance Company Hawaii County, HI | Homeowners Insurance Agency Hawaii County, HI | Address | Popularity Score | Distance from Hawaii County (miles) |
|---|---|---|---|---|
| Allstate | Kris Speegle | 1289 Kilauea Ave Ste D, Hilo, HI, 96720 | 28.8 | |
| Allstate | Budar Insurance Agency | 75-5722 Kuakini Hwy Ste 101, Kailua Kona, HI, 96740 | 32.0 | |
| State Farm | Wayne Yamauchi | 75-5591 Palani Rd Ste 2006, Kailua Kona, HI, 96740-3634 | 32.2 | |
| State Farm | Cheryl Kim | 64-1032 Mamalahoa Hwy Ste 202, Kamuela, HI, 96743-8441 | 31.1 | |
| State Farm | Nelson Fukuhara | 274 Waianuenue Ave, Hilo, HI, 96720-2446 | 28.2 | |
| State Farm | Robert Shimabuk | 16-566 Keaau Pahoa Rd Ste 122, Keaau, HI, 96749-8137 | 30.3 | |
| State Farm | Lance Matsumura | 75-240 Nani Kailua Dr Ste 12, Kailua Kona, HI, 96740-2074 | 30.4 | |
| State Farm | Robert Shimabuku | 16-566 Keaau - Pahoa Rd. #122, Keaau, HI, 96749 | 30.3 | |
| State Farm | Nelson Fukuhara Ltcp | 274 Waianuenue Avenue, Hilo, HI, 96720-2446 | 28.2 | |
| Allstate | Larry Mccabe | 75-5722 Kuakini Hwy Ste 101, Kailua Kona, HI, 96740 | 32.0 |
| 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 |
| Hawaii County, HI | $316,000 | $892 | $660 | $1,300 | $640 |
| North Hilo, HI | $298,700 | $892 | $660 | $1,300 | $640 |
| Kau, HI | $166,900 | $1,023 | $760 | $1,490 | $730 |
| Eden Roc, HI | $106,300 | $421 | $310 | $610 | $300 |
| Pahoa-Kalapana, HI | $208,200 | $654 | $480 | $950 | $470 |
| Waikoloa Village, HI | $401,700 | $813 | $600 | $1,190 | $590 |
| Laupahoehoe, HI | $371,900 | $1,060 | $780 | $1,550 | $770 |
| Paauilo, HI | $216,700 | $722 | $530 | $1,050 | $520 |
| Kukuihaele, HI | $325,000 | $949 | $700 | $1,390 | $690 |
| Hawaiian Ocean View, HI | $141,400 | $533 | $390 | $780 | $390 |
| North Kohala, HI | $365,700 | $1,044 | $770 | $1,520 | $750 |