Best Homeowners Insurance in Hawaii (2026)

State Farm ranks first in customer experience among the Hawaii home insurance providers we reviewed, backed by a 657 out of 1,000 J.D. Power score that clears the 642-point industry average. Local agents are available across most of Hawaii, which is useful for homeowners sorting through coverage decisions specific to their area, whether that's hurricane exposure, lava zone risk or coastal flooding. Rates average $433 per year, and replacement cost coverage for personal property pays current market prices rather than the depreciated value of what you lost.

State Farm's rates run 28% below Hawaii's state average of $600. Bundling home and auto policies lowers the premium further, and installing a monitored security system qualifies for an additional discount.

State Farm's J.D. Power score of 657 out of 1,000 clears the 642-point industry average, the only Hawaii provider in our review with a formal J.D. Power rating. Its network of local agents is one of its more practical advantages for island homeowners, who often need help sorting through coverage requirements specific to their area. The company's digital tools handle basic policy management well, though they lack some features available through other national carriers.

State Farm provides standard homeowners coverage with optional add-ons:

• Personal articles policy: Protects jewelry, art and collectibles against risks your standard policy excludes
• Umbrella policy: Adds liability coverage beyond your home and auto policy limits
• Service line coverage: Pays for underground utility line repairs on your property
• Sewer backup coverage: Covers water damage and cleanup from indoor sewer backups
• Energy efficiency upgrade: Funds energy-efficient replacements for damaged systems
• Identity fraud protection: Covers costs to restore your identity after theft

AIG scores 4.83 out of 5 in MoneyGeek's review, where it ranks first in coverage options among the Hawaii providers we evaluated. Its coverage lineup includes inland flood protection, which matters for Hawaii homeowners because standard policies don't cover flood damage and adding it through AIG avoids a separate National Flood Insurance Program policy. At $519 per year, AIG's rates are below Hawaii's state average, and its A++ financial strength rating from AM Best reflects the reserves it carries to pay out claims after a major weather event.

AIG's rates of $519 per year fall 14% below Hawaii's state average of $600. Bundling home and auto policies lowers the premium, and adding a monitored security system qualifies for a further reduction.

AIG doesn't have a J.D. Power customer satisfaction rating (industry average: 642 points), but it ranks second in MoneyGeek's customer experience category, reflecting its financial strength and digital capabilities. Its online platform handles policy changes and claim filing, though it lacks some Hawaii-specific tools other carriers offer. Homeowners who want more hands-on guidance can work through an independent agent.

AIG provides standard homeowners coverage with optional add-ons:

• Equipment breakdown: Pays for mechanical failures in home systems and appliances
• Water backup: Covers damage from sewer or drain backups
• Identity theft protection: Covers expenses to recover from identity theft
• Service line coverage: Pays to repair damaged utility lines to your home
• Scheduled personal property: Adds coverage for jewelry, art and other valuables
• Inland flood: Covers flood damage away from coastal areas
• Green upgrades: Funds eco-friendly replacements for damaged items
• Cyber protection: Covers losses from personal data breaches
• Umbrella coverage: Adds liability protection beyond standard limits

DB's annual rate of $272 is the lowest premium among the providers we reviewed in Hawaii. That affordability comes with a solid coverage lineup: DB includes inland flood protection, which most standard policies exclude and which matters given how often heavy rainfall and coastal flooding affect Hawaiian properties. Homeowners can work with local independent agents who know Hawaii's coverage requirements and can help identify which add-ons make sense for a specific property.

DB's rates run 55% below Hawaii's state average of $600, the largest difference of any provider we reviewed. Bundling home and auto policies lowers the premium further, and installing a monitored security system qualifies for an additional discount.

DB doesn't have a J.D. Power rating (industry average: 642 points). Local independent agents understand Hawaii's insurance market and help you select appropriate coverage. Get quotes online through DB's website, though the mobile app lacks claim-filing and policy-management features that competitors offer.

DB provides standard homeowners coverage with optional add-ons:

• Equipment breakdown: Pays for damaged home systems and appliances
• Water backup: Covers damage from sewer or drain backups
• Identity theft protection: Covers expenses to restore your identity after theft
• Service line coverage: Pays to repair damaged utility lines to your home
• Scheduled personal property: Adds coverage for jewelry, art and other valuables
• Inland flood: Covers flood damage standard policies exclude
• Green upgrades: Funds eco-friendly replacements for damaged items
• Cyber protection: Covers losses from cyberattacks and online fraud
• Umbrella coverage: Adds liability protection beyond standard limits

Allstate is the only provider in our review that explicitly covers volcanic eruptions and earthquakes. That coverage matters most for homeowners on the Big Island or near active volcanic areas. Its coverage list is also the most extensive of the five companies we reviewed, including sports equipment, yard and garden and musical instrument add-ons that other carriers don't offer. At $608 per year, rates are higher than most providers we reviewed, but the trade-off is a wider range of coverage options to customize for your property.

Allstate's rates are just 1% above Hawaii's state average of $600. Bundling home and auto policies brings the premium down, and a monitored security system qualifies for an additional discount.

Allstate scored 633 out of 1,000 in J.D. Power's customer satisfaction study, below the 642-point industry average. Its online platform handles quotes, claims and policy changes, though the below-average satisfaction score suggests service quality varies. Homeowners who prefer more hands-on guidance can work through a local Allstate agent.

Allstate provides standard homeowners coverage with optional add-ons:

• Identity theft restoration: Covers legal fees and lost wages from identity theft
• Water backup: Pays for damage from backed-up drains or broken sump pumps
• Scheduled personal property: Covers appraised valuables like rings and antiques
• Business property: Increases limits for business inventory stored at home
• Sports equipment: Adds coverage for golf clubs, skis and similar gear
• Green improvement reimbursement: Funds energy-efficient replacements for damaged items
• Yard and garden: Increases limits for trees, landscaping and lawn equipment
• Electronic data recovery: Covers costs to recover lost computer data and photos
• Musical instruments: Adds coverage for guitars, violins and other instruments

RLI's annual rate of $384 makes it one of the more affordable options in Hawaii's home insurance market, and its A+ financial strength rating from AM Best means it has the backing to pay out claims after a hurricane or major storm. Wind and hail damage from tropical storms is covered under its standard policy, an important baseline given the islands' year-round exposure to tropical weather. Coverage is available through local independent agents, useful for homeowners with specific risk profiles like lava zones or coastal flood zones who benefit from working with someone familiar with local conditions.

RLI's rates are 36% below Hawaii's state average of $600. Bundling home and auto policies lowers the premium, and homeowners with no prior claims qualify for additional savings.

RLI doesn't have a J.D. Power rating (industry average: 642 points). Local independent agents help you select coverage appropriate for your property's location and risks. RLI lacks the mobile apps and online account management tools most national carriers offer.

RLI provides standard homeowners coverage with optional add-ons:

• Equipment breakdown: Pays for mechanical failures in home systems and appliances
• Water backup: Covers damage from sewer or drain backups
• Identity theft protection: Covers expenses to recover from identity theft
• Service line coverage: Pays to repair damaged underground utility lines
• Scheduled personal property: Adds coverage for jewelry, art and other valuables
• Inland flood: Covers flood damage away from coastal areas
• Green upgrades: Funds eco-friendly replacements for damaged items
• Cyber protection: Covers losses from cyberattacks and data breaches
• Umbrella coverage: Adds liability protection beyond standard limits