Who regulates homeowners insurance in Hawaii?

The Hawaii Insurance Division (cca.hawaii.gov/ins/) within the Department of Commerce and Consumer Affairs licenses carriers and handles consumer complaints.

Is volcanic eruption damage covered by homeowners insurance in Hawaii?

Most standard homeowners policies exclude volcanic eruption damage. Some carriers offer volcanic endorsements, but properties in active lava zones (Lava Zones 1 and 2 on the Big Island) often cannot obtain private-market coverage at all.

Is hurricane coverage included in standard Hawaii homeowners policies?

Not always — hurricane coverage may be a separate endorsement in Hawaii. Verify with your carrier whether wind/hurricane damage is included in your base policy or requires a separate hurricane rider.

Does Hawaii require homeowners insurance?

Hawaii law does not mandate homeowners insurance, but mortgage lenders require it. Lenders on Big Island lava-zone properties may require additional hazard coverage.

How can I find a homeowners insurer if I'm in a Hawaii lava zone?

Contact the Hawaii Insurance Division at cca.hawaii.gov/ins/ for a list of carriers willing to write in lava-zone areas, or work with an independent agent who specializes in high-risk Hawaii properties.

Homeowners Insurance in Hawaii

Hawaii homeowners face hurricane risk (particularly Maui and the Big Island), volcanic activity risk (Big Island lava zones), and flood risk during heavy rain events — volcanic-zone properties may face carrier exclusions or very limited availability.

More Hawaii guides

Personal Loans in Hawaii Auto Insurance in Hawaii Renters Insurance in Hawaii Mortgages in Hawaii Auto Loans in Hawaii Student Loans in Hawaii Life Insurance in Hawaii High-Yield Savings in Hawaii

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