Cheap Renters Insurance in Hawaii

DB and Allstate are the best cheap renters insurance companies in Hawaii. DB ranks first for affordable rates, starting at $14 monthly. Allstate has the best customer reputation and offers the most comprehensive coverage options.

*This list shows rates for a renter with good credit, no claims history, $50K in property damage coverage, $100K in liability coverage, a $1,000 deductible and guaranteed replacement.

Use our renters insurance estimate calculator to get a personalized coverage recommendation based on the actual value of items in your rental.

The list above most renters, but it might not show the best options for your specific needs. The filterable table below helps you match your profile to find the best choice in Hawaii.

Below are more details about our top picks for affordability, customer service and coverage options for renters insurance in Hawaii.

Renters insurance costs about $20 monthly in Hawaii, matching the national average. These rates reflect a policy with $50K in personal property coverage, $100K in liability limits and a $1,000 deductible.

Your rate may vary based on your profile. Check our table below for major factors affecting premiums and average costs for your profile.

Choosing the best renters insurance in Hawaii can be tough with so many options.

Renters insurance isn't required by law in Hawaii, but most landlords require at least $100K in liability coverage. Requirements may vary based on your rental history, credit and pet ownership. Consider how much property you want covered, weather risks, crime in your area and if you own a pet.

Use our calculator below to determine your ideal personal property limits and how much renters insurance you need.

Key risks for Hawaii renters and coverage to consider:

• Weather risks: Hurricanes are Hawaii's most common natural disaster. The state also has high earthquake, flooding and volcanic damage risks depending on location. Standard coverage might not protect against these threats in high-risk areas—you'll need separate policies.
• Crime risks: Hawaii ranks sixth highest for property crime nationwide and 38th for identity theft and fraud. Consider add-ons or extra property damage coverage for your renters policy.
• Pet ownership: Depending on your pet type, you might need pet liability coverage. Check how different insurers handle pet coverage and whether it's included in standard policies.
• Property types: Standard policies might not fully cover special tools, valuables, electronics or structures like pools on your rental property. Look for companies with specific add-ons for these items.

Three core protections define renters insurance: belongings replacement after damage, liability defense when guests get injured, and temporary housing costs during rental repairs. Standard policies include:

DB and Allstate are the best and cheapest overall renters insurance companies in Hawaii. While we recommend these options, research for yourself and compare multiple companies and quotes to get the best deal.

Renters face the challenge of protecting their belongings without overpaying for coverage they don't need. We designed this scoring system to identify which insurers offer the best combination of affordable premiums, reliable claim payments, and useful coverage options for renters.

Our baseline renter profile:

We collected quotes using $50,000 in personal property coverage, $100,000 in liability coverage, and a $1,000 deductible. We included replacement cost coverage, which pays to replace your belongings at today's prices rather than their depreciated value, and used a good credit score as our starting point. This profile represents standard coverage that protects most renters' belongings and provides meaningful liability protection if someone gets injured in your rental.

How we scored each provider:

We evaluated companies across four weighted categories that reflect what matters most when you're buying renters insurance:

• Affordability (60%): Premium quotes using the profile detailed above determine majority scoring weight
• Customer Satisfaction (25%): J.D. Power rankings and NAIC complaint data reveal actual claim handling performance
• Add-On Coverages (10%): Endorsement variety and optional protection breadth expand coverage flexibility
• Financial Strength (5%): AM Best ratings confirm long-term claims-paying capability

Why these weights: Renters insurance is affordable compared to other coverage types, but price differences between companies still matter when you're paying premiums monthly for years. Customer satisfaction carries substantial weight because you need a company that processes claims quickly when your laptop gets stolen or your apartment floods. Add-on options and financial strength round out the evaluation, ensuring the cheapest company also delivers adequate protection and won't disappear when you file a claim.

This methodology prioritizes real-world value for renters who need affordable coverage from financially stable companies that actually pay claims without hassle.