Country Guide
Best Home Insurance in Hawaii (2026)
Hawaii homeowners face unique risks including hurricanes and volcanic activity. Compare top carriers for HI.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in Hawaii
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Overall value | $1,560/yr | — |
| 2 | USAA | Military families | $1,320/yr | — |
| 3 | Allstate | Hurricane coverage | $1,740/yr | — |
| 4 | First Insurance Company of Hawaii | HI-based carrier | $1,680/yr | — |
| 5 | Island Insurance | Local expertise | $1,620/yr | — |