The top-rated landlord insurance agent in Hilo, Hawaii is Nakoa Kai Insurance Professionals: Allstate Insurance, rated 4.9 stars across 344 reviews. Other highly rated options include Iris Kuwaye - State Farm Insurance Agent, Claire Justo - State Farm Insurance Agent, Zack Pacleb - State Farm Insurance Agent. This directory lists 20 landlord insurance agents serving Hilo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Nakoa Kai Insurance Professionals: Allstate Insurance | 680 Manono St | (808) 969-7767 |
| 2 | Iris Kuwaye - State Farm Insurance Agent | 9 Lei St | (808) 935-3375 |
| 3 | Claire Justo - State Farm Insurance Agent | 2100 Kanoelehua Ave Ste 212 | (808) 935-4455 |
| 4 | Zack Pacleb - State Farm Insurance Agent | 72 Kapiolani St | (808) 657-3212 |
| 5 | Cary Ichinose - State Farm Insurance Agent | 630 Kilauea Ave #102 | (808) 933-8500 |
| 6 | Pyramid Insurance - Hilo | 48 Kamana St Suite #103 | (808) 969-7174 |
| 7 | Hope Chu Hing - State Farm Insurance Agent | 586 Kanoelehua Ave #300 | (808) 935-3157 |
| 8 | Fast Insurance Agency HI | 218 Kamehameha Ave | (808) 645-4364 |
| 9 | Mind Insurance HI | 344 Kilauea Ave | (808) 646-3602 |
| 10 | Trust Guard Insurance HI | 451 Kekuanaoa St | (808) 736-1914 |
Nakoa Kai Insurance Professionals: Allstate Insurance serves the Hilo, Hawaii metro area as a landlord insurance agent. This company helps property owners secure coverage that protects rental dwellings from common financial risks. The agent works with local landlords to arrange policies tailored to the unique conditions of properties in Hilo. Services include the placement of rental dwelling insurance and liability coverage for income-producing residential properties.
Serving landlords in Hilo, HI, Iris Kuwaye - State Farm Insurance Agent provides comprehensive insurance solutions tailored to rental property ownership, including liability coverage and protection against property damage. The agency maintains accessible service plans, offering personalized policy reviews to address evolving client needs and simplifying claims processes when incidents occur. It services a variety of rental properties, from single-family homes and apartments to retail spaces and restaurants.
Claire Justo - State Farm Insurance Agent in Hilo, Hawaii serves homeowners, property managers, and small business owners who need coverage for rental properties. The agency offers landlord insurance policies designed to protect buildings and rental income against common risks such as storm damage or liability claims. They provide personalized consultations to help clients understand their specific coverage needs for residential rental units. This agency also serves clients throughout the surrounding Puna district on the Big Island.
Zack Pacleb - State Farm Insurance Agent serves Hilo, Hawaii, and the surrounding communities on the Big Island. The company handles landlord insurance, helping property owners cover rental dwellings against common hazards such as fire, wind, and liability claims. This agent works directly with clients to assess the specific risks associated with their rental properties. For a typical job, he reviews each property’s features and occupancy details to recommend appropriate coverage limits.
Cary Ichinose - State Farm Insurance Agent in Hilo, HI, provides landlord coverage to property owners, distinguishing between a single policy for a specific rental and recurring options for those managing multiple properties or a growing portfolio. This coverage typically includes protection for the dwelling, liability for tenant-related incidents, and loss of rental income from covered damages. The service operates on a scheduled basis, with options to adjust coverage as new properties are acquired or leases change.
Pyramid Insurance - Hilo provides specialized landlord insurance agent services, including property damage coverage and liability protection for rental dwellings. It also offers general support with policy reviews and claims assistance for property owners. In Hilo, where tropical storms and volcanic activity pose distinct risks, the company helps landlords assess coverage for potential flood damage or ash-related property issues during active weather seasons.
When storms or volcanic vog affect Hilo rental properties, Hope Chu Hing - State Farm Insurance Agent helps landlords secure coverage for their buildings and liability exposures. The agency reviews local risk factors such as lava zones and high rainfall, tailoring landlord insurance policies that address the specific needs of residential and vacation rental owners in Hilo, Hawaii. A thorough inspection or initial risk-assessment step customizes each policy to the unique property conditions and local requirements.
Fast Insurance Agency HI provides landlord insurance agent services to property owners throughout the Hilo area, helping them secure coverage for residential rental dwellings. The company specializes in customized add-ons such as protection against vandalism, fire damage, and liability claims that commonly affect single-family and multi-unit rentals. This approach allows clients to tailor policies to their specific risk profiles and financial needs. Fast Insurance Agency HI can serve commercial sectors including offices, warehouses, and food service establishments seeking property and liability coverage.
Mind Insurance HI is known for protecting local rental property owners in Hilo, Hawaii, offering tailored policies for single-family homes and small apartment buildings. Its services encompass liability coverage, dwelling protection, and loss-of-rent insurance to address common landlord risks. A specialty service this agent can add on is flood insurance, which is essential for coastal properties in the islands.
What Does a a Landlord Insurance Agent in Hilo Cost?
Typical landlord insurance in Hawaii costs between 25 and 40 percent more than standard homeowners insurance due to hurricane and volcanic risks. Annual premiums for a single family rental in Hilo range from 800 to 2,500 dollars depending on property value and coverage limits. Agents can provide quotes based on specific property details. This is general information and not insurance advice.
About landlord insurance agents in Hilo
A landlord insurance agent in Hilo helps property owners protect their rental investments. Hawaii law requires landlords to maintain certain coverages for liability and property damage. Local agents understand risks like volcanic activity and hurricane exposure unique to the Big Island.
Frequently Asked Questions
What does landlord insurance cover in Hilo Hawaii?
Landlord insurance typically covers the dwelling structure, liability protection, and loss of rental income. In Hawaii, policies often include coverage for volcanic eruptions and lava flow damage. Flood insurance is usually a separate policy required for properties in flood zones.
Is landlord insurance required by law in Hawaii?
Hawaii does not legally require landlord insurance, but most mortgage lenders require it. Hawaii Revised Statutes Chapter 521 outlines landlord tenant rights and duties. Without insurance, a landlord may be personally liable for property damage or injuries.
How do Hilo landlord insurance agents handle hurricane coverage?
Hilo agents typically include hurricane coverage as a separate endorsement or deductible. The Hawaii Hurricane Relief Fund provides backup coverage for insurers. Agents can explain the specific windstorm deductible which is often a percentage of the property value.