Home Insurance

Hawaii homeowners insurance isn’t one policy — it’s three. See what the HO-3, hurricane, and flood policies cost in 2026 and what a $500k or $750k home really pays per year.

Total homeowners insurance in Hawaii by home value: $2,650–$4,850 a year for a $500,000 home, $3,600–$6,500 for $750,000. Full table, what drives the price, and the $900,000 Oahu buyer budget.

Hawaii renters insurance costs about $13–$14 a month on average — $157–$165 a year. What’s covered, what your landlord’s policy doesn’t cover, and when your lease requires it.

Hawaii condo insurance (HO-6) costs about $400–$650 a year — but the master policy’s hurricane deductible and loss assessments are where the real money hides. What HO-6 covers, what it doesn’t, and the add-ons that matter.

Hurricane insurance in Hawaii costs $750–$1,800 a year for a typical home — but published averages conflict. See what drives the price, who writes it, and what the 2025 fund reactivation means.

Only a small share of Hawaii properties carry flood insurance — but water is the state’s most common disaster. Who is required to have it, who should have it, and what the June 2026 Oahu remap changed.

NFIP flood insurance in Hawaii averages $806 a year — but Zone VE costs $1,428 and Zone AH $1,466. Full zone-by-zone table, what Risk Rating 2.0 changed, and the discounts that cut your premium.

Hawaii hurricane deductibles are 1–5% of your dwelling value — $5,000–$25,000 on a $500,000 home. How the percentage deductible works, when it applies, and how to choose one you can actually pay.

Honolulu requires $1M liability insurance, a $1,000 registration, and resort-zone location for short-term rentals. The full 2026 checklist — zones, fees, taxes, fines — plus Big Island and Maui rules.

Hawaii has the highest workers’ comp rates in the US — $2.52 per $100 of payroll, 231% of the national median. How premiums are calculated, what a small business actually pays, and how to lower the bill.