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Find Condo Insurance Agents Near You in Kapaʻa, HI
Browse condo insurance agents serving Kapaʻa, Hawaii. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Kapaʻa, HI
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 condo 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
Insurance Factors
5196 Kome St, Kapaʻa, HI 96746
(808) 822-3097
insurancefactors.com
Condo insurance agents in Kapaʻa help owners protect their units with HO-6 policies. Hawaii law requires condo associations to carry master insurance, but individual owners need separate coverage for interior improvements and personal property. Agents can explain how Hawaii Revised Statutes Chapter 514B affects your coverage needs.
What Does a Condo Insurance Agent in Kapaʻa Cost?
Condo insurance agent services in Kapaʻa typically cost no upfront fee. Agents earn commission from the insurance company. HO-6 policy premiums in Hawaii range from 300 to 800 dollars per year for a standard unit. Costs vary based on unit value, location, and coverage limits. 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 a condo insurance agent in Kapaʻa do?
A condo insurance agent helps you choose an HO-6 policy that covers your unit interior, personal belongings, and liability. They also explain how your association master policy and your individual policy work together.
Is condo insurance required in Hawaii?
Hawaii law does not require individual condo owners to carry insurance. However most lenders require an HO-6 policy for a mortgage. Your association may also require proof of coverage in the bylaws.
What is the difference between master policy and HO-6 in Hawaii?
The master policy covers common areas and the building structure. The HO-6 policy covers your unit interior improvements, personal property, and liability. Hawaii Revised Statutes Section 514B-146 defines the association responsibility for master insurance.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Hawaii.