Updated: December 16, 2024
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In Urban Honolulu, Hawaii, State Farm is the overall best choice for home insurance. DB Insurance is the most affordable option, while AIG Insurance is the best in terms of customer service. These companies cater to different needs, so we recommend choosing a provider based on what is important to you.
Choosing the best cheap home insurance depends on factors like cost, customer service and coverage options.
Best HomeInsuranceUrban HonoluluTable of Contents
Why Trust MoneyGeek?
We used data and rates from the Hawaii Insurance Division and Quadrant Information Services to select the top homeowners insurance options in Urban Honolulu.
Home insurance premiums in Urban Honolulu represent the latest available quotes as of September 2024.
MoneyGeek found that State Farm is the best home insurance company in Urban Honolulu, Hawaii, for $100K dwelling coverage. It has a MoneyGeek score of 93 out of 100.
The scores for home insurance companies in Urban Honolulu, Hawaii, range from 45 to 93. These figures reflect MoneyGeek's scoring system, and insurers may receive different scores based on your credit history or the age of your home.
| State Farm | 93 | $215 |
| AIG Insurance | 90 | $254 |
| Allstate | 81 | $245 |
| Island Insurance | 78 | $266 |
| RLI | 76 | $279 |
| DB Insurance | 72 | $200 |
| First Insurance Company of Hawaii | 63 | $387 |
| Hawaiian Insurance and Guaranty Company | 45 | $519 |
MoneyGeek found that State Farm is the best option for home insurance in Urban Honolulu, Hawaii, for $100K dwelling coverage. The two best overall home insurance companies in Urban Honolulu for $100K dwelling coverage are:
State Farm is the best home insurance provider due to its affordability and strong customer satisfaction, which are major contributors to its high MoneyGeek score.
In Urban Honolulu, Hawaii, various companies offer different cost and service levels. While cost is an essential factor, it's important to consider customer service, policy features and the ease of the claims process.
State Farm is the best overall company, with high scores in affordability and satisfaction. It offers comprehensive home insurance coverage, including scheduled personal property and building ordinance or law. You can save with discounts like bundle and protective device. Installing fire alarms can help you qualify for these savings.
State Farm provides useful coverages, such as building ordinance or law, which helps with costs if you need to meet new building codes. Scheduled personal property covers valuable items like cameras. Back-up of sewer or drain protects against water damage from backed-up drains.
MoneyGeek found that AIG Insurance provides the best customer service in home insurance in Urban Honolulu, Hawaii, for $100K dwelling coverage. Here are the top two providers for this coverage:
AIG Insurance is the best due to its excellent customer satisfaction and comprehensive coverage score. It excels at addressing customer needs while offering robust coverage options. Choosing AIG Insurance ensures you receive prompt, caring service whenever needed.
Excellent service in home insurance involves quick response times and helpful support to address your claims and questions.
AIG Insurance is the best for service quality, with high scores in customer satisfaction and coverage. It offers scheduled personal property and guaranteed replacement cost coverages. You can save with discounts like protective device and affinity. Being part of an AIG affiliate group can get you a discount.
AIG Insurance's guaranteed replacement cost helps rebuild your home if needed. Personal property replacement cost replaces damaged items with new ones.
MoneyGeek found that State Farm is the best cheap home insurance option in Urban Honolulu, Hawaii, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
When considering the average cost of homeowners insurance in Hawaii, State Farm stands out mainly due to its high customer satisfaction and affordability. However, choosing cheap home insurance often means lower coverage, which can save money but might not be enough in emergencies. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.
The best cheap insurance offers a balance between affordability and adequate protection, unlike simply choosing the lowest price. As the top provider of the best cheap home insurance, State Farm effectively balances cost and coverage.
State Farm is the best cheap company, scoring high in affordability and coverage. It offers comprehensive home insurance with building ordinance or law and mold coverages. You can save with discounts like bundle and protective device. Installing alarms can qualify you for savings.
State Farm's building ordinance or law helps if your home needs updates to meet current codes. Back-up of sewer or drain covers water damage from backups. Mold coverage protects against mold damage.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 24, 2024
Several factors influence homeowners insurance in Urban Honolulu, and location is one of them. Comparing rates is the best way to save, but it can take more than an hour since it requires at least 15 minutes per company. MoneyGeek's home insurance calculator helps you save immediately by focusing on key factors. Enter details like your age, dwelling coverage, credit score, deductible and liability coverage for an estimate.
MoneyGeek found that DB Insurance is the best option in Urban Honolulu, Hawaii. Opting for the best coverage affects your home insurance rates, with dwelling coverage being a key factor.
DB Insurance offers the lowest price and highest score for home insurance in Urban Honolulu. With the lowest cost across all coverage levels, it's also top-ranked.
Choosing the cheapest homeowners insurance in Hawaii aids in financial planning.
| DB Insurance | $200 |
| State Farm | $215 |
| Allstate | $245 |
| AIG Insurance | $254 |
| Island Insurance | $266 |
| RLI | $279 |
| First Insurance Company of Hawaii | $387 |
| Hawaiian Insurance and Guaranty Company | $519 |
DB Insurance is the best choice in Urban Honolulu, Hawaii, for high-value homes. High dwelling coverage is crucial for homes that cost more to replace, and home insurance costs can increase with the home's value.
DB Insurance stands out in Urban Honolulu, Hawaii, due to its affordability for high-value homes. According to MoneyGeek, while it is the cheapest option, it may not be the best based on its score.
| DB Insurance | $819 |
| RLI | $1,160 |
| State Farm | $1,323 |
| Island Insurance | $1,359 |
| Allstate | $1,594 |
| AIG Insurance | $1,664 |
| Hawaiian Insurance and Guaranty Company | $2,059 |
| First Insurance Company of Hawaii | $2,153 |
State Farm is the best option for new home insurance in Urban Honolulu, Hawaii.
State Farm stands out in Urban Honolulu due to its affordable coverage cost. However, its price advantage does not necessarily make it the best choice overall, according to MoneyGeek scores.
You should also be adequately covered to ensure your home has the right protection.
| State Farm | $150 |
| Allstate | $158 |
| Island Insurance | $162 |
| AIG Insurance | $196 |
| DB Insurance | $200 |
| RLI | $252 |
| Hawaiian Insurance and Guaranty Company | $282 |
| First Insurance Company of Hawaii | $283 |
The best cheap homeowners insurance providers offer great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in Urban Honolulu depends on your needs. Consider coverage limits, deductibles and customer reviews. Follow these steps to get the best cheap home insurance:
To determine how much home insurance coverage you need, consider the specifics of your home in Urban Honolulu, Hawaii. Think about rebuilding costs, personal property value and liability coverage.
Investigate insurance companies in Urban Honolulu. Look for those with strong financial stability, good customer feedback and a history of quality service.
Once your coverage needs are clear, compare home insurance quotes. In Urban Honolulu, Hawaii, premiums for $100K dwelling coverage can range from $200 to $519 annually.
Inquire with each provider about potential discounts, such as those for bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium. Ensure the deductible is an amount you can afford to pay if needed.
Enhancing your home's security with alarm systems and strong locks can lower your risk profile and potentially reduce insurance costs.
Keep a good credit score, as it can affect your insurance rates in Urban Honolulu, Hawaii. Pay bills on time and reduce outstanding debt.
Consider bundling your homeowners insurance with other policies, like auto insurance, to receive discounts and save money.
The best cheap home insurance provider for you in Urban Honolulu depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Urban Honolulu, Hawaii.
The average cost of home insurance in Urban Honolulu, Hawaii, is $240.
DB Insurance is the cheapest home insurance company in Urban Honolulu, Hawaii, with an annual premium of $200.
The best home insurance in Hawaii for Urban Honolulu residents is provided by State Farm, with a MoneyGeek score of 93 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
