Hawaii's best home insurance companies are State Farm, RLI, Island, DB and Allstate. State Farm ranks first for coverage options and customer service, while DB leads in affordability. Compare all our top picks below.
Best Homeowners Insurance in Hawaii
Updated: June 23, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Hawaii are State Farm, RLI and Island.
For most homeowners in Hawaii, State Farm is the top overall pick for home insurance. That said, if you own an older home, RLI could be a more suitable option.
Choosing the best policy involves three key steps: define your coverage needs, evaluate insurer pricing and reputation and compare several quotes.
Who Are the Best Home Insurance Companies in Hawaii?
| State Farm | 80 | 4 | 1 | 1 |
| RLI | 76 | 2 | 3 | 4 |
| Island Insurance | 73 | 3 | 3 | 1 |
| DB Insurance | 72 | 1 | 5 | 4 |
| Allstate | 71 | 5 | 2 | 1 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what's best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| State Farm | 80 | Overall |
| RLI | 80 | Older Homes |
| State Farm | 82 | Newer Homes |
| State Farm | 82 | High-Fire-Risk Areas |
| State Farm | 83 | With Claims History |
Best Hawaii Home Insurance Reviews
Explore our top picks for home insurance in Hawaii, showing companies that excel in affordability, customer service and diverse coverage options with impressive MoneyGeek Scores.
DB Insurance: Best for Affordability
DB is the most affordable provider for most homeowners in Hawaii. The company also has strong coverage options that include personal property coverage and dwelling coverage. Since its a regional provider, DB also has coverages that are unique to the location, such as its other structures coverage, which covers damage to detached structures on your property, such as garages, carports, and storage sheds.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:1 claim in past 5 years
| Newer Homes | $18 | $217 |
| Older Homes | $18 | $217 |
| Newer Homes in High-Fire-Risk Areas | $18 | $217 |
| Older Homes in High-Fire-Risk Areas | $18 | $217 |
State Farm: Best for Customer Service
In our study of the state's top providers, State Farm was best for customer service. Although Island and Allstate also ranked number one for service, their MoneyGeek scores were less than State Farm's. According to J.D. Power, State Farm is the seventh best provider for home insurance overall for customer satisfaction. Additionally, the provider offers a variety of unique home insurance coverages, like extended replacement cost reimbursement and underground utility coverage.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Good
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Claims History:1 claim in past 5 years
| Newer Homes | $13 | $158 |
| Newer Homes in High-Fire-Risk Areas | $14 | $167 |
| Older Homes | $20 | $238 |
| Older Homes in High-Fire-Risk Areas | $21 | $252 |
Allstate: Best for Coverage
Allstate is top for coverage options. Its comprehensive coverage includes unique add-ons like claim rateguard, which prevents your premium from increasing after filing a claim, and deductible rewards, which reduce your deductible for every claim-free year. Allstate also provides water backup coverage to protect against damage from sewer or drain backups and green improvement reimbursement, which helps cover the cost of upgrading to energy-efficient appliances after a covered loss.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:1 claim in past 5 years
| Newer Homes | $12 | $139 |
| Newer Homes in High-Fire-Risk Areas | $14 | $165 |
| Older Homes | $18 | $217 |
| Older Homes in High-Fire-Risk Areas | $21 | $257 |
How to Find the Best Home Insurance in Hawaii
Finding the right insurance can be tricky, so we've created a step-by-step guide to help you navigate the options and choose coverage that fits your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside, and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Investigate how much home insurance costs in Hawaii to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings, such as bundling policies or installing home safety devices.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Hawaii. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers and check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in Hawaii: Bottom Line
State Farm, RLI, and Island Insurance are the best-rated homeowners insurance providers in Hawaii. While these are strong recommendations, comparing different providers can help you find the coverage that best suits your needs.
Best Home Insurance in Hawaii: FAQ
We've answered key questions to help you choose the right home insurance provider in Hawaii.
Which company is best for home insurance in Hawaii?
State Farm is the best homeowners insurance provider in Hawaii due to its balance of affordability, excellent customer service, and comprehensive coverage options. RLI, Island, DB and Allstate are also top contenders in Hawaii.
Who has the most affordable homeowners insurance in Hawaii?
The most affordable homeowners insurance in Hawaii varies by individual needs and property details. However, the average cost in Hawaii is $1,171 annually.
How do you get the best homeowners insurance in Hawaii?
To find the best home insurance in Hawaii, assess your coverage needs, investigate costs and providers and solicit and evaluate multiple quotes.
How We Decided the Best Home Insurance in Hawaii: Our Methodology
We rated the best homeowners insurance providers in Hawaii using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.