Renters Insurance in Hawaii: Best Providers 2022

Last modified: September 15, 2021

Hawaii, the only island state of the U.S., is inarguably one of the best places to live in the country. The Aloha State was ranked as the fourth-best U.S. state to live in by the financial news 24/7 Wall St. in 2019. 

While Hawaii has a lot of attractive sides to recommend it, it is vulnerable to natural disasters. Hurricanes, floods, and earthquakes are common on the island. 

To help you insure all your valuables, we have compiled a brief guide on how to find good renters insurance in Hawaii. To make things even easier, we shortlisted the companies that provide the best renters insurance in Hawaii. If you are renting a property outside of Hawaii, make sure to check out our list of best renters insurance providers in the US.

How to Choose the Best or Cheap Renters Insurance in Hawaii?

Renters or not, many people find the process of finding the right insurance for their needs overwhelming. To help you avoid getting into any trouble and simplify the process of finding good and cheap renters insurance in Hawaii, we’re sharing with you the process of choosing a renters policy.

Consider the Company’s Offers

The very first thing you should consider when buying renters insurance is what a company’s standard renters policy includes, the perils it protects you from, and the extended coverage options the company offers. A good renters insurance company offers the following coverage plans as part of the standard policy:

  • Personal property coverage
  • Liability coverage
  • Additional living expenses coverage
  • Medical payment coverage

When you’re looking for cheap renters insurance in Hawaii, it’s also important to consider if the company provides any discount offers or has a promotion going on.


Cost is a major factor when choosing renters insurance. When evaluating the cost or looking for the cheap renters insurance in Hawaii, it is highly important to take quotes from multiple companies and compare their prices to figure out which renters insurance in Hawaii offers the best value for money.

Ratings and User Reviews

Don’t rely solely on the reviews and ratings shared by insurance providers on their websites. You should check out other review platforms as well to get an insight view of the company’s offerings, services, and claims handling. 

Best and Cheapest Companies for Renters Insurance in Hawaii

The following Hawaii renters insurance companies offer the best renters policies at affordable rates:


Allstate insurance company was founded by a WWI veteran Robert Wood in 1931 to meet the growing need for good insurance policies, when the country was going through the Great Depression. Let’s take a look at what Allstate renters insurance in Hawaii includes:

Coverage Details

  • Personal property – $25,000 to $150,000
  • Liability coverage – $100,000 to $500,000
  • Guest medical coverage – $1,000 to $5,000
  • Reimbursed living expenses – No limit

Optional Coverage Plans

  • Scheduled property (for expensive items that are not covered by personal property coverage)
  • Identity restoration 
  • Increased coverage on business property
  • Personal umbrella policy
  • Hawaii renters flood insurance 

Financial Strength and Customer Support Ratings

  • NAIC – 0.76
  • JD Power – 2/5
  • AM Best – A+
  • BBB – A+

Average Cost 

The average cost of Allstate renters insurance is $159.50 per year, a little over $13 per month.


  • Affordable
  • Offers multiple bundle discounts
  • Provides customers the option to choose between replacement cost coverage and actual cash value for personal property coverage


  • Covered losses aren’t clearly mentioned on the company’s website
  • Has poor customer satisfaction rating

Liberty Mutual

With over a century’s experience in the insurance industry and being on the Fortune 500 list for about 25 years, Liberty Mutual enjoys the trust of a large number of tenants not only in Hawaii but all over the country. Here’s what its Hawaii renters insurance policy includes:

Coverage Details

  • Personal property – $15,000 to $25,000
  • Personal liability – $100,000 to $1,000,000
  • Medical payment to others – $1,000 to $5,000 
  • Additional living expenses/ loss of use – 20% of personal property

Optional Coverage Plans

  • Blanket jewelry 
  • Personal property replacement cost
  • Earthquake damage 

Financial Strength and Customer Support Ratings

  • NAIC – 0.65
  • JD Power – 3/5
  • AM Best – A
  • BBB – A

Average Cost 

Liberty Mutual offers renters insurance in Hawaii at the average annual cost of about $172, which makes about $14 per month.


  • Provides a variety of discount options 
  • Allows you to choose between replacement cost coverage and actual cash value for personal property coverage
  • Customer service is available throughout the week


  • Has low upper limit to personal property coverage
  • Doesn’t offer additional coverage option for Hawaii renters flood insurance; you will have to buy it separately 


Commerce Insurance, which is now a part of MAPFRE Insurance, offers the following coverage options to Hawaii’s residents:

Coverage Details

  • Property protection
  • Repair and replacement coverage
  • Liability coverage
  • Coverage for expensive items, like artwork, jewelry, and fur
  • Home systems protection

Optional Coverage Plans

  • Water and sewer backup coverage
  • Replacement cost coverage
  • Credit card, forgery, and counterfeit money protection
  • Extended personal liability and medical coverage
  • Personal injury liability protection 
  • Extended coverage for expensive valuables

Financial Strength and Customer Support Ratings

  • JD Power – 2/5
  • AM Best – A
  • BBB – A+

Average Cost 

Commerce’s renters insurance in Hawaii costs around $209 per year, on average. This will make around $17.5 per month.


  • Offers a good range of discounts
  • Provides plenty of additional coverage options
  • Transparent pricing
  • Provides flexible billing options


  • Offers the most expensive renters insurance in Hawaii

State Farm

State Farm is one of the most popular insurance providers in the U.S. One of the primary reasons why people love State Farm is their incredibly fast claims processing. Let’s take a look at what State Farm’s Hawaii renters insurance includes:

Coverage Details

  • Personal property – No limit
  • Liability – $100,000, $300,000, $400,000, $500,000, $750,000, $1,000,000
  • Loss of use – No limit
  • Medical payments to others – $1,000, $2,000, $3,000, $4,000, and $5,000

Optional Coverage Plans

  • Additional liability coverage
  • Identity restoration
  • Earthquake damage 
  • Additional business property
  • Incidental business liability 

Financial Strength and Customer Support Ratings

  • NAIC  – 0.35
  • JD Power – 5/5
  • AM Best – A++
  • BBB – Not rated

Average Cost 

State Farm provides the cheapest renters insurance in Hawaii. The average cost of State Farm’s standard Hawaii renters’ insurance is $116.50 per year. This will make the monthly installment less than $10.


  • Low monthly premium
  • Provides good additional coverage options
  • Allows for online policy management
  • Has excellent customer satisfaction rating
  • Has no limit on personal property and loss of use


  • Limited discounts
  • Doesn’t cover damage caused by floods

Universal Direct

Universal Direct is affiliated with Universal Property & Casualty Insurance Company (UPCIC), a company that established a name for itself within a short span of time. 

Universal Direct is the best option for those looking to add renters insurance in Hawaii for pet damage in their standard policy; the company gives you the additional coverage option for animal liability.  Let’s take a look at what else it has to offer to tenants in Hawaii:

Coverage Details

    • Personal property
    • Liability coverage
    • Loss of use 
    • Medical payments to others

Optional Coverage Plans

  • Special personal property coverage –for items that are not covered by standard personal property coverage
  • Additional contents coverage – for expensive items like jewelry, goldware, silverware, firearms, and watches 
  • Water backup
  • Personal injury
  • Personal property replacement
  • Insurance for individual items
  • Refrigerated property coverage
  • Animal liability coverage

Financial Strength and Customer Support Ratings

  • NAIC Ration – Not available 
  • JD Power – Not available 
  • AM Best – A
  • BBB – A+

Cost Per Month

The average cost of Universal renters insurance in Hawaii is $17 per month, the second-highest in the state.


  • Plenty of additional coverage options
  • Offers great discount offers


  • Doesn’t offer floods and earthquake coverage as part of renters policy or as an additional coverage option


City Average Cost Per Year
Honolulu   $174
Pearl City $174
Hilo $174

A Buyer’s Guide to the Best Renters Insurance in Hawaii

Just like all other U.S. states, there are no Hawaii renters insurance laws that require tenants to carry renters insurance. Many landlords require their tenants to at least have the basic renters policy

Keeping in mind how vulnerable Aloha state is to natural disasters, it’s only wise that all tenants carry renters insurance in Hawaii to keep their valuables protected. Hawaii renters insurance also moves with you if you change your place of residence.

Most renters insurance in Hawaii provides coverage for personal property, liability, loss of use, and medical payments to others against a range of perils. These include fire, smoke, theft, vandalism, and extreme weather conditions, like hail, windstorm, and lightning. 

Even though natural disasters are common in Hawaii, they’re not covered in a standard renters policy. Therefore a majority of the renters who choose to buy a renters policy include floods, hurricane, and earthquake coverage in addition to the basic coverage options. 

If you own any expensive items, like jewelry, gemstones, antiques, or high-end watches, you should also consider getting additional coverage for them. 

To find the best renters policy, get Hawaii renters insurance quotes from multiple companies and compare them to find out which insurance provider is offering the best coverage and rates. 

Final Word

We hope this brief guide to finding the best renters insurance in Hawaii Is helpful. Follow the tips and suggestions given in this guide while searching for good renters insurance in Hawaii to make an informed decision. 

If you do not have time to do the research, simply go through our list of the best renters insurance in Hawaii and choose the one that best suits your needs and budget.

Pros & Cons

The Pros

The Cons

Final Verdict


How much is renters insurance in Hawaii?

The average annual cost of renters insurance in Hawaii is $174 per year, which makes the monthly installments only $14.50.

What are the renters insurance laws in Hawaii?

There are no renters insurance laws in Hawaii. Simply put, the state law of Hawaii doesn’t require tenants to have a renters policy.

Does Hawaii renters insurance cover liability outside the house?

Yes, most good renters policies provide liability coverage both inside and outside your home.

Can a landlord require renters insurance in Hawaii?

Yes, landlords in Hawaii can make it mandatory for their tenants to have a renters policy.