Atlas Insurance Agency Inc
201 Merchant Street, Suite 1100, Honolulu, HI 96813
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Honolulu households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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201 Merchant Street, Suite 1100, Honolulu, HI 96813
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615 Piikoi St, Suite 1901, Honolulu, HI 96814
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737 Bishop St, Ste 2910, Honolulu, HI 96813
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814 Ilaniwai St, STE 101, Honolulu, HI 96813
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Learn about insurance coverage options specific to Honolulu residents.
Honolulu home insurance averages $585/year base, but you'll need hurricane and flood coverage too. New FEMA maps take effect June 2026—get the facts.
Car InsuranceHawaii requires 40/80/20 liability and $10K PIP coverage. Honolulu drivers pay ~$1,578/year for full coverage. Learn no-fault rules and H-1 accident risks.
The average base homeowners insurance policy in Honolulu costs $585-$598 per year for standard coverage. However, this excludes wind and hurricane coverage, which is required separately in Hawaii. Once you add hurricane coverage and flood insurance (if needed), expect to pay $1,200-$1,500 or more annually for a typical $350,000 home. Higher-value properties will cost proportionally more.
No, standard homeowners insurance policies in Hawaii specifically exclude wind and hurricane damage. You must purchase a separate hurricane policy to protect against storm damage. This is required by most lenders and is essential given Hawaii's location in hurricane-prone waters. Hurricane coverage typically costs significantly more than the base homeowners policy.
It depends on your property's location and mortgage requirements. New FEMA flood maps effective June 10, 2026, have placed many Oʻahu properties in Special Flood Hazard Areas for the first time. If you have a federally-backed mortgage and your home is in a high-risk zone, flood insurance is mandatory. Even if not required, 31.5% of Honolulu properties face flood risk over the next 30 years, making flood insurance worth considering for most homeowners.
Homeowners insurance is not legally required in Hawaii. However, if you have a mortgage, your lender will require you to maintain coverage for at least 80% of your home's replacement value for the life of the loan. Even if you own your home outright, insurance is highly recommended given Hawaii's exposure to hurricanes, floods, and volcanic activity.
Yes, standard homeowners policies in Hawaii typically cover direct damage from volcanic eruptions, including lava flow, volcanic blast, ash, and resulting fires. However, earthquake damage associated with volcanic activity requires separate earthquake insurance. While major volcanic activity is concentrated on the Big Island, it's good to know this coverage is included in your standard policy.
Start by shopping multiple insurers—rates vary significantly. Bundle your home and auto insurance for multi-policy discounts. Install storm shutters, security systems, and maintain your roof to qualify for safety discounts. Take advantage of Honolulu's 10% NFIP flood insurance discount through the Community Rating System. Finally, consider higher deductibles to lower your premiums, but ensure you have enough cash reserves to cover the deductible if you need to file a claim.
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