Best Condo insurance in Hawaii

If you own a condo, it is important to have the best condo insurance. This type of insurance will protect your home and belongings in case of a disaster or other event. In addition to protecting your belongings from damage or destruction, condo insurance also provides liability coverage that could provide protection in the event of an accident.

Condo insurance is a great way to protect your investment from an unexpected event. It covers your condo's interior structure, belongings that are not covered by your homeowners association (HOA) insurance policy.

This guide will help you know about the best condo insurance companies in Hawaii, also find out the least and most expensive zip codes for Hawaii homeowners. Use this resource to find the most affordable condo insurance company in Hawaii under your budget.

Best condo insurance companies in Hawaii

In Hawaii, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction rating of all the major insurers across Hawaii. Below are the best condo insurance companies in Hawaii based on Insurance.com's analysis.

• State Farm
• Allstate
• Liberty Mutual

Compare best condo insurance companies in Hawaii

State Farm is our top pick for the best condo insurance company in Hawaii. It has earned 835 scores out of 1000 from J.D. Power, the highest among the carriers surveyed. Apart from State Farm, Allstate can be your best bet for condo insurance in Hawaii. It has received 829 scores out of 1000 from J.D. Power and an A+ rating from AM Best.

Buying condo insurance is different from getting a standard homeowners insurance policy. Condo insurance and single-family homeowners insurance seem to be the same thing. Just like a traditional home insurance policy, condominium insurance covers-

• Personal property coverage- This covers your personal belongings such as furniture, electronics, clothing, and jewelry.
• Liability protection- This provides protection if someone is hurt or injured on your property, or you damage someone else's property.
• Dwelling coverage- It protects the building itself and any structures in it.

Average cost of condo insurance in Hawaii

The average cost of condo insurance in Hawaii is $336 per year or $28 per month for $40,000 as personal property coverage with a $1,000 deductible and $100,000 in liability protection. However, rates can vary, based on the insurance company you choose and the zip code you live in.

If you are looking to buy a condominium, condo insurance is an important consideration. Not only does it provide coverage for common areas and appliances in the building but also provides protection for personal belongings and the interior of the unit against damage caused by fire or theft, vandalism, or natural disasters.

Investing in a condo is one of the largest investments you'll make in your lifetime. Therefore, it makes sense to protect this investment with condo insurance.

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CONDO INSURANCE CALCULATOR

Average condo insurance rates in HAWAII

Zip

Personal Property Coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings.

$40,000$60,000$80,000$100,000 $60,000

Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims.

$1,000 $1,000

Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended.

$100,000$300,000 $100,000

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96850 - Honolulu

Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $371

HIGHEST RATE: $560 LOWEST RATE: $222

Most & least expensive zip codes for condo insurance in Hawaii

Most Expensive

Zip Code	City	Highest Rate
96744	Ahuimanu	$371
96701	Aiea	$371
96778	Ainaloa	$371
96703	Anahola	$371

Least Expensive

Zip Code	City	Lowest Rate
96744	Ahuimanu	$371
96701	Aiea	$371
96778	Ainaloa	$371
96703	Anahola	$371

• Methodology ×

  Insurance.com commissioned Quadrant Information Systems to provide condo insurance rates for nearly every ZIP code in the country from up to six major insurers. The applicant profile is of a married, 35-year-old who has filed no claims in five years. Coverage includes dwelling coverage of $50,000, medical payments coverage of $5,000, contents replacement at replacement value and loss of use at 10 percent of personal property limit.

  METHODOLOGY +

Condo insurance rates by companies in Hawaii

Based on Insurance.com's rate analysis, State Farm is the cheapest condo insurance company among the carriers surveyed. Its average annual premium is $268---$68 less than the state average ($336). Apart from State Farm, Allstate, Liberty Mutual, and First Fire are the few other cheap insurance companies in Hawaii for condo insurance.

Condo insurance rates can vary based on where you live, how much liability protection you need and how comprehensive your condo insurance coverage is. In order to find the perfect condo insurance policy, it's important that you get a number of quotes and compare rates. This is one of the best ways to get a great condo insurance policy in Hawaii.

Below is the list of best condo insurance providers and their average annual premium for Hawaii residents.