The top-rated home insurance agent in Waipahu, Hawaii is Larry Welsch - State Farm Insurance Agent, rated 5.0 stars across 207 reviews. Other highly rated options include Guy Matsumoto - State Farm Insurance Agent, Valerie Bruner at Comparion Insurance Agency, Kendrick Nishiguchi at Comparion Insurance Agency. This directory lists 19 home insurance agents serving Waipahu.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Larry Welsch - State Farm Insurance Agent | 94-429 Ukeʻe St #101 | (808) 944-3450 |
| 2 | Guy Matsumoto - State Farm Insurance Agent | 94-849 Lumiaina St Ste 104 | (808) 671-7888 |
| 3 | Valerie Bruner at Comparion Insurance Agency | 94-849 Lumiaina St #206 | (808) 650-6105 |
| 4 | Kendrick Nishiguchi at Comparion Insurance Agency | 94-849 Lumiaina St #206 | (808) 650-6071 |
| 5 | Susan Santos - State Farm Insurance Agent | 94-229 Waipahu Depot St #201 | (808) 677-0098 |
| 6 | Dawn Mira-Whitson: Allstate Insurance | 94-210 Pupukahi St Ste 208 | (808) 677-1428 |
| 7 | Ricky Bonilla: Allstate Insurance | 94-050 Farrington Hwy Ste B1-8 | (808) 676-0501 |
| 8 | Leilani Yee at Comparion Insurance Agency | 94-849 Lumiaina St #206 | (808) 650-6073 |
| 9 | Deborah Sumulong at Comparion Insurance Agency | 94-849 Lumiaina St #206 | (808) 650-6074 |
| 10 | Roy D Burnett Jr - State Farm Insurance Agent | 94-487 Akoki St Ste 103 | (808) 688-1551 |
Larry Welsch - State Farm Insurance Agent serves the Waipahu, HI area as a home insurance agent, helping local residents protect their properties. The agency offers homeowners insurance policies designed to cover dwellings and personal belongings against common risks. It assists clients in selecting appropriate coverage limits and deductibles to fit individual needs. The office also provides guidance for condominium or renters insurance solutions. A focus exists on helping customers file claims for storm or fire damage to their homes.
Guy Matsumoto - State Farm Insurance Agent in Waipahu, Hawaii provides a full range of home insurance services, including coverage for dwelling protection, personal property, and liability. The agency helps clients select appropriate policies and reviews coverage options to address changing needs or property improvements. It also assists with filing claims and adjusting policies after life events. The company serves a variety of properties, including single-family homes, apartments, retail spaces, and restaurants in the local area.
Valerie Bruner at Comparion Insurance Agency serves homeowners in Waipahu and across the area, providing tailored home insurance policies to protect properties from common island risks. Clients receive guidance on coverage options that match their specific needs and budgets. The agency helps secure financial safeguards for homes, ensuring peace of mind against unforeseen events. Its services extend to property managers and residential owners seeking reliable protection. The office also covers the neighboring Ewa Beach and Kapolei metro communities.
Kendrick Nishiguchi at Comparion Insurance Agency offers a choice between one-time policies and recurring annual plans for homeowners in Waipahu. Coverage typically protects against common local risks such as wind damage, fire, and theft, with options for liability and additional structures. The agency helps clients understand how replacement cost versus actual cash value affects their protection and premiums. Service for comparing or adjusting coverage runs on an as-needed basis for the initial application or for policy reviews during each renewal cycle.
As Waipahu's tropical weather brings the potential for storm damage and property wear, Susan Santos - State Farm Insurance Agent provides tailored home insurance coverage to meet those specific risks. The agency works with local homeowners to review policies that address wind, rain, and other regional concerns. Every client relationship begins with a detailed consultation to assess the unique needs of each property, followed by a comprehensive inspection of the home's condition and vulnerabilities to ensure appropriate protection is in place.
Dawn Mira-Whitson: Allstate Insurance assists local property owners with protecting their homes and belongings from common risks. The agency also offers focused coverage for high-value items such as jewelry or electronics, as well as liability protection for personal injuries on the property. Policyholders can bundle auto and home coverage for potential savings. Serving the Waipahu area, this agency works with residential clients and commercial sectors including offices, warehouses, and food service operations.
As a home insurance agent in Waipahu, HI, Ricky Bonilla: Allstate Insurance offers tailored coverage options for protecting residential property, including policies that address dwelling structure, personal belongings, and liability protection. The agency works with homeowners to evaluate their needs and explain what different coverage levels entail. It serves the local community by helping residents safeguard their most significant investment. With Hawaii's occasional heavy rainfall and hurricane season, this agency can assist clients in adding or adjusting flood and windstorm protection to their existing home insurance plan.
Leilani Yee at Comparion Insurance Agency in Waipahu, HI, is known for helping local homeowners find suitable property coverage. The agency serves clients across the region, offering policies that protect homes and personal belongings from common hazards. Standard service includes guidance on liability protection and dwelling limits. For a more complete solution, the agency can add coverage for personal valuables such as jewelry or fine art.
Deborah Sumulong at Comparion Insurance Agency provides residential home insurance services to homeowners in Waipahu, HI. Commercial property coverage is also available for local businesses and landlords throughout the region. The agency helps clients assess their personal property and liability needs to secure appropriate protection for their homes. Following a policy issuance or claim resolution, the agent offers continued support and can adjust coverage as circumstances change between regular review visits.
What Does a a Home Insurance Agent in Waipahu Cost?
Home insurance in Hawaii costs more than the national average due to high property values and natural disaster risks. Typical annual premiums for a single family home in Waipahu range from 1,200 to 3,000 dollars. Factors like home age, construction type, and distance to the coast affect your rate. This is general information, not insurance advice.
About home insurance agents in Waipahu
Home insurance agents in Waipahu help you find coverage that meets Hawaii specific requirements. They can explain how policies handle hurricane damage and lava flow exclusions. Local agents understand the unique risks of living on Oahu, including tsunami exposure and high replacement costs.
Frequently Asked Questions
What does a home insurance agent in Waipahu do?
A home insurance agent helps you compare policies from different insurers. They explain coverage options like dwelling protection, personal property, and liability. They also advise on Hawaii specific endorsements such as hurricane deductibles.
Do I need separate flood insurance in Waipahu?
Yes, standard home insurance does not cover flood damage. In Hawaii, flood insurance is required for homes in high risk zones. An agent can help you purchase a separate policy through the National Flood Insurance Program.
How does Hawaii law affect home insurance?
Hawaii law requires insurers to offer hurricane coverage with a separate deductible. The Hawaii Insurance Division regulates rates and policy forms. Agents must be licensed by the state to sell insurance in Hawaii.