Is renters insurance required in Hawaii?
Renters insurance isn't required by law in Hawaii. But your landlord may require it before you can move in, so it's a good idea to check your lease to see if it's a stipulation. Even if you're not required to have renters insurance, you might consider investing in a policy. It can help cover your belongings against certain perils. Renters insurance can also protect you against personal liability. Learn more about personal liability for renters insurance.
Hawaii renters insurance coverages
Check out the four standard coverages on nearly all Hawaii renters insurance policies:
- Personal property protects your personal belongings, including furniture, clothing, and electronics.
- Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
- Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property.
- Medical payments to others pays for medical expenses due to a covered occurrence.
For tenants renting apartments, condos, or homes, the best renters insurance in Hawaii is always a policy with customized coverage limits. Here are some extra options for when you need more protection:
- Certain valuable items, like jewelry, art and collectibles, may have specific limits on your renters policy. If your items exceed the limit, you may be able to purchase an endorsement for your policy, also known as "adding a rider," to cover the item for its value.
- Personal injury: May pay for legal fees and damages if you’re liable for slander or defamation.
- Water back-up: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by your standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.
Learn more about renters insurance coverages.
Common claims in Hawaii
Weather-related damages in Hawaii come from wind and rain more often than any other natural event. Your Hawaii renters insurance policy may pay for damaged personal belongings from a covered peril, up to your policy's limits.
Hawaii is surrounded by the Pacific Ocean, and rental homes, condos, and apartments can experience flooding from rising water levels after tropical storms. While renters insurance doesn't cover damage from outside flooding, a separate flood insurance policy may protect your belongings against flood damage.
Discounts on Hawaii renters insurance
Progressive offers several discounts to help lower the cost of renters policies in Hawaii, such as:
- Quote in advance
- Pay in full
- Secured/gated community
See more of our available renters insurance discounts.
How much is renters insurance in Hawaii?
You can buy renters insurance for less than $1/day.* Many components influence the cost of renters insurance in Hawaii, including your location and coverage limits. Learn more about renters insurance cost factors.