Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Hawaii before hiring.
Showing 3 landlord insurance agents in Kapaʻa, HI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Donovan Gardner: Allstate Insurance
4-901 Kuhio Hwy Ste 112, Kapaʻa, HI 96746
(808) 212-9848
agents.allstate.com
Darrellyn Lemke - State Farm Insurance Agent
4-1593 Kuhio Hwy, Kapaʻa, HI 96746
(808) 822-7335
darrellynlemke.com
Hawaiʻi Life
4-1379 Kuhio Hwy Suite 101, Kapaʻa, HI 96746
(800) 370-3848
hawaiilife.com
What Does a Landlord Insurance Agent in Kapaʻa Cost?
The cost of landlord insurance in Hawaii typically ranges from 25 to 50 percent more than standard homeowners insurance due to higher risk of natural disasters. For a single-family rental in Kapaʻa, annual premiums often fall between 1,200 and 3,000 dollars, depending on property value, location, and coverage limits. Short-term vacation rental policies can cost 2,000 to 5,000 dollars per year or more. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does landlord insurance cover in Kapaʻa Hawaii?
Landlord insurance typically covers property damage, liability protection, and loss of rental income. In Hawaii, policies often include specific protections for windstorms, volcanic eruptions, and tsunami damage. It does not cover tenant personal property.
Is landlord insurance required by law in Hawaii?
Hawaii does not require landlord insurance by state statute, but mortgage lenders usually require it. For short-term vacation rentals, county regulations may mandate liability coverage. It is strongly recommended to protect against lawsuits and natural disasters.
How do I choose a landlord insurance agent in Kapaʻa?
Look for an agent licensed in Hawaii with experience in rental property insurance. Ask about coverage for Hawaii-specific perils like lava flows and hurricane damage. Compare quotes from multiple agents to find a policy that fits your property type and budget.