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: November 10, 2025
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Key Takeaways
Our 2025 research found 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 is a better 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
Your best home insurance option depends on your home type and situation. 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
The top home insurance providers in Hawaii balance affordability, customer service and comprehensive coverage.
DB Insurance: Best for Affordability
DB is the most affordable provider for most homeowners in Hawaii. The company has strong coverage options, including personal property and dwelling coverage. As a regional provider, DB offers location-specific coverages like other structures coverage, protecting detached structures such as garages, carports and storage sheds.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Good
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
State Farm leads Hawaii's home insurance providers for customer service. Island and Allstate also rank first for service, but State Farm earns a higher overall MoneyGeek score. J.D. Power ranks State Farm seventh nationally for home insurance customer satisfaction. The company offers unique coverages, including extended replacement cost reimbursement and underground utility coverage.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Good
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 leads for coverage options. Its comprehensive policies include unique add-ons like Claim RateGuard, preventing premium increases after you file a claim, and Deductible Rewards, reducing your deductible for every claim-free year. Allstate also provides water backup coverage for sewer or drain damage and green improvement reimbursement, covering upgrades to energy-efficient appliances after covered losses.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Good
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
Choosing the right home insurance requires comparing coverage options, costs and provider quality.
- 1Determine your coverage needs
Decide on the coverage level you need before choosing a policy. Consider your home's value, personal belongings and local risk factors that might affect your coverage.
- 2Research costs and discounts
Compare home insurance costs in Hawaii across multiple providers. Look for discounts you qualify for, such as bundling policies or installing home safety devices.
- 3Find the best providers for you
Narrow your search for the best and cheapest home insurance in Hawaii. Evaluate customer service ratings, pricing for your specific needs and suitable coverage add-ons.
- 4Compare multiple providers
Get quotes through different channels: online, by phone with brokers and directly from agents. Estimates can vary depending on the method.
Best Homeowners Insurance in Hawaii: Bottom Line
State Farm, RLI and Island Insurance are Hawaii's top homeowners insurance providers. Comparing multiple providers helps you find 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, compare costs and providers, then request and evaluate multiple quotes.
How We Rated Hawaii's Best Home Insurance
Hawaii homeowners face hurricane risk, volcanic activity and some of the nation's highest construction costs. Our research focused on finding insurers that balance affordable premiums with comprehensive natural disaster coverage and reliable claims handling when you need it most.
We evaluated Hawaii's home insurance providers across three key factors:
Affordability (55%)
Insurance premiums carry the most weight because Hawaii's average annual rate of $1,171 already exceeds the national average. We compared rates across different home ages, fire risk levels and claims histories to find insurers offering consistent value. Providers earned higher scores for competitive pricing and offering multiple discounts like bundling policies or installing hurricane-resistant features.
Customer Satisfaction (30%)
When a hurricane damages your home, you need an insurer that processes claims quickly and communicates clearly. We analyzed customer ratings from Trustpilot, mobile app reviews and J.D. Power to evaluate the complete experience, from buying a policy to managing coverage online to filing claims after disasters.
Coverage Options (15%)
Standard policies cover basic perils, but Hawaii homeowners often need specialized protection. We evaluated each insurer's add-on options, including water backup coverage for flooding, extended replacement cost for high construction expenses and availability across Hawaii's islands.
Our ratings reflect various combinations of coverage levels, home features and homeowner profiles. Your ideal provider depends on your home's age, location and specific coverage needs.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.