Insurance
Homeowners Insurance in Hawaii
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
Hawaii homeowners paid about $1,431 a year on average in 2022, close to the national middle. But that number only tells part of the story, because in Hawaii, hurricane damage usually isn't covered by a regular homeowners policy.
Here's how hurricane insurance works in Hawaii, what lava zones mean for your price, and what condo owners are up against.
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Hurricane insurance is a separate policy
To be covered for hurricane damage in Hawaii, you generally need a separate hurricane policy. If you have a mortgage, your lender will likely require one.
It isn't cheap. Hawaii's legislature found in 2025 that hurricane insurance can cost two to three times the annual premium of a regular homeowners policy.
When does the hurricane policy kick in?
Most Hawaii hurricane policies use a 72-hour clause. Once the Central Pacific Hurricane Center issues a hurricane watch or warning, damage in the next 72 hours falls under your hurricane policy, not your regular one.
What it doesn't cover
- Flooding, including storm surge. You need flood insurance. See flood insurance.
- Lesser windstorms that aren't hurricanes. Check how your regular homeowners policy handles those.
Check the deductible
A hurricane deductible can be a flat dollar amount or a percentage of your coverage. Example: a 5% deductible on a home insured for $800,000 is $40,000. Make sure you could cover it.
Lava zones on Hawaii Island
On Hawaii Island, the U.S. Geological Survey maps lava flow hazard zones. Zones 1 and 2 are the most hazardous, covering the summits and rift zones of the most active volcanoes, and homes there cost more to insure.
If private insurers won't cover your home, the Hawaii Property Insurance Association (HPIA) offers coverage for owners who can't get it elsewhere. For questions after talking to your insurer, the Insurance Division has a Hawaii Island line: 1-844-808-3222.
Wildfire is now part of the price
Hawaii was always rated for hurricanes. After the Lahaina fire on August 8, 2023, and fires in Kula, West Oahu, and Mililani, the state legislature noted that parts of every island will now be rated for wildfire too. That's a new factor in Hawaii home insurance prices.
Condo owners: higher deductibles and a state backstop
Condo buildings carry a master policy, and Hawaii's 2025 legislature found that its deductibles have jumped, from $10,000 to $25,000 per unit to as much as $250,000 in some cases. If your building's deductible is that high, ask:
- whether your association will assess owners after a loss, and
- whether your own condo insurance includes loss assessment coverage to help pay your share.
For condo associations that can't find hurricane coverage, the state reactivated the Hawaii Hurricane Relief Fund in 2024. It offers hurricane-only coverage for associations with over $10 million in insured value that have been turned down by at least two insurers. It covers losses above $10 million, so associations still need primary coverage below that.
What changes your price in Hawaii
- Your island and neighborhood, including lava zone and wildfire exposure
- Hurricane coverage and its deductible
- Your home's construction and rebuild cost
- Hurricane-strengthening features, like roof ties
- Your claims history
Not a quote or an offer. Your price comes from the insurance company.
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Related services
Strengthening your home for hurricane season? See roof replacement and windows. Want backup power? See home generators.
More home insurance guides: Homeowners insurance cost · Condo insurance · Renters insurance · Landlord insurance · Mobile home insurance · Flood insurance · Umbrella insurance · How much homeowners insurance you need · Renters insurance basics · How to get renters insurance · All insurance
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Related services
Renters Insurance
Compare renters coverage options for an apartment or rental home.
Condo Insurance
Explore condo coverage options alongside your association policy.
Landlord Insurance
Explore coverage options for a property you rent out.
Flood Insurance
Explore flood coverage, which standard home policies usually exclude.
Sources
- NAIC homeowners report (2022 data), via Insurance Information Institute
- Hawaii Insurance Division, Hurricane insurance FAQ
- Hawaii State Legislature, SB1044 CD1 (2025), relating to the stabilization of property insurance
- Hawaii Insurance Division, Hawaii Hurricane Relief Fund
- Hawaii Insurance Division, Home insurance and lava flow FAQs
- Hawaii Insurance Division, Lava flow insurance information