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Find Home Insurance Agents Near You in Hilo, HI

Browse home insurance agents serving Hilo, Hawaii. Updated 2026-07-14.

The top-rated home 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 home insurance agents serving Hilo.

Showing 20 home insurance agents in Hilo, HIListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Nakoa Kai Insurance Professionals: Allstate Insurance680 Manono St(808) 969-7767
2Iris Kuwaye - State Farm Insurance Agent9 Lei St(808) 935-3375
3Claire Justo - State Farm Insurance Agent2100 Kanoelehua Ave Ste 212(808) 935-4455
4Zack Pacleb - State Farm Insurance Agent72 Kapiolani St(808) 657-3212
5First American Title Company, Inc.1437 Kilauea Ave Suite 202(808) 961-3775
6Cary Ichinose - State Farm Insurance Agent630 Kilauea Ave #102(808) 933-8500
7Pyramid Insurance - Hilo48 Kamana St Suite #103(808) 969-7174
8Hope Chu Hing - State Farm Insurance Agent586 Kanoelehua Ave #300(808) 935-3157
9Fast Insurance Agency HI218 Kamehameha Ave(808) 645-4364
10Mind Insurance HI344 Kilauea Ave(808) 646-3602
NK
680 Manono St
Nakoa Kai Insurance Professionals: Allstate Insurance
Home Insurance Agent · Hilo, HI

Nakoa Kai Insurance Professionals: Allstate Insurance serves the Hilo, Hawaii, metro area as a local home insurance agent. The company helps homeowners find coverage that protects their property and personal belongings. This includes policies tailored to the unique risks of living on the Big Island, such as volcanic activity and tropical storms. Nakoa Kai Insurance Professionals also assists clients with adjusting their existing policies to reflect home renovations or changes in personal assets. It handles specialty coverage for secondary homes and rental properties in this coastal region.

IK
9 Lei St
Iris Kuwaye - State Farm Insurance Agent
Home Insurance Agent · Hilo, HI

Iris Kuwaye - State Farm Insurance Agent provides a full range of home insurance services, including personal property coverage and liability protection for homeowners in Hilo, HI. Policy options are designed to safeguard against common local risks such as storm damage and fire. The agency offers guidance on updating coverage limits and reviewing deductibles to keep policies relevant for each client. Its service plans can be adjusted during annual policy reviews. The agency services single-family homes, apartments, retail spaces, and restaurants.

CJ
2100 Kanoelehua Ave Ste 212
Claire Justo - State Farm Insurance Agent
Home Insurance Agent · Hilo, HI

Homeowners, businesses, and property managers in Hilo rely on Claire Justo - State Farm Insurance Agent for tailored home insurance policies. The agency helps clients protect their residential and commercial properties against common island risks like wind damage and volcanic activity. Personalized coverage options are explained clearly so customers can choose appropriate deductibles and liability limits. Annual policy reviews ensure protection keeps pace with changing property values and local building costs. The office also serves Pāhoa residents who need coverage close to the volcano’s hazard zone.

ZP
72 Kapiolani St
Zack Pacleb - State Farm Insurance Agent
Home Insurance Agent · Hilo, HI

Zack Pacleb - State Farm Insurance Agent in Hilo, HI provides both one-time policy reviews and ongoing annual service, ensuring clients can choose their level of engagement. Coverage options include protection for a home’s structure, personal belongings, and liability for accidents on the property. Home insurance plans also often cover additional living expenses if the residence becomes uninhabitable due to a covered loss. Service runs on either a one-time consultation or as-needed basis to adjust policies after claims or life changes.

FA
1437 Kilauea Ave Suite 202
First American Title Company, Inc.
Home Insurance Agent · Hilo, HI

Based in Hilo, First American Title Company, Inc. serves policyholders throughout Hawaii County and the surrounding Big Island communities. It handles homeowner’s risk coverage needs for local residential properties. Agents work with clients to assess potential protection requirements for island weather conditions, including volcanic and coastal exposure. The company evaluates each property individually to determine appropriate coverage levels. For a typical job, it first reviews customer priorities and property details to provide an accurate policy recommendation.

CI
630 Kilauea Ave #102
Cary Ichinose - State Farm Insurance Agent
Home Insurance Agent · Hilo, HI

Cary Ichinose - State Farm Insurance Agent in Hilo, HI specializes in crafting home insurance policies that protect against damage from fire, theft, and liability claims. The agency also provides tailored auto and life insurance to meet local residents’ coverage needs. Preparing for the heavy rainfall and seasonal storms common to the Big Island, it helps clients review policies for adequate flood and windstorm protection.

PI
48 Kamana St Suite #103
Pyramid Insurance - Hilo
Home Insurance Agent · Hilo, HI

When heavy rains or high winds threaten the Hilo area, securing adequate dwelling coverage becomes a priority for local homeowners. Pyramid Insurance - Hilo helps residents review their existing policies to ensure protections align with the specific risks of living in a tropical environment. The agency specializes in explaining different deductible options and coverage limits typical for Hawaii properties. A home insurance agent will arrange for a professional walk-through of the property to document its current condition and identify any necessary structural improvements before starting a new application.

HC
586 Kanoelehua Ave #300
Hope Chu Hing - State Farm Insurance Agent
Home Insurance Agent · Hilo, HI

Hope Chu Hing of State Farm Insurance in Hilo, HI helps homeowners protect their property and personal belongings from common local risks. The agency specializes in adding optional coverage for high-value items, liability protection, and additional living expenses following a covered loss. Commercial sectors served include offices needing general liability, warehouses requiring inventory and equipment coverage, and food service operations dealing with property and business interruption risks.

FI
218 Kamehameha Ave
Fast Insurance Agency HI
Home Insurance Agent · Hilo, HI

Fast Insurance Agency HI provides residential home insurance services in Hilo, covering property protection for local homeowners and condominium owners. Commercial coverage is also available for small businesses and rental properties on the Big Island. The agency serves the greater Hilo area and nearby communities. Clients often return for annual policy reviews and adjustments between regular visits, ensuring coverage keeps pace with changing property values and household needs.

MI
344 Kilauea Ave
Mind Insurance HI
Home Insurance Agent · Hilo, HI
BI
1080 Kilauea Ave
Business Insurance Services Inc
Home Insurance Agent · Hilo, HI
(808) 935-1888
bisihi.com
HI
166 Kamehameha Ave #8
Hawaiian Islands Insurance, Inc.
Home Insurance Agent · Hilo, HI
(808) 933-3000
hawaiian.insure
DD
275 Ponahawai St # 105
Daniel De Soto Insurance
Home Insurance Agent · Hilo, HI
(808) 961-3207
hawaiiislandinsurance.com
AM
Century Bldg, 80 Pauahi St STE 105
American Mutual Group
Home Insurance Agent · Hilo, HI
(808) 969-1688
AI
80 Pauahi St STE 105
Atlas Insurance Agency
Home Insurance Agent · Hilo, HI
(808) 935-2943
atlasinsurance.com
MU
275 Ponahawai St # 105
Mutual Underwriters - Hilo
Home Insurance Agent · Hilo, HI
(808) 969-1110
PI
166 Kamehameha Ave Ste 7
Pacific Island Insurance LLC
Home Insurance Agent · Hilo, HI
(808) 933-3000
AI
101 Aupuni St # 133
Alliant Insurance Services, Inc.
Home Insurance Agent · Hilo, HI
(808) 481-4828
alliant.com
FB
1289 Kilauea Ave Unit G
Financial Benefits Insurance Inc. Hilo Office
Home Insurance Agent · Hilo, HI
(808) 792-5194
fbihi.com
FB
111E Puainako St #705
Financial Benefits Insurance
Home Insurance Agent · Hilo, HI
(808) 792-5194
fbihi.com

What Does a a Home Insurance Agent in Hilo Cost?

Home insurance agent services in Hawaii typically do not charge a direct fee. Agents earn commissions from insurance carriers. Average annual premiums for a standard home policy in Hilo range from 1500 to 4000 dollars depending on the home value and location. Hurricane coverage adds about 20 to 30 percent to the base premium. Costs vary by property condition and lava zone risk. This is general information not insurance advice.

About home insurance agents in Hilo

A home insurance agent in Hilo Hawaii can help you find coverage that meets local needs. Hawaii law requires insurers to offer hurricane coverage for residential properties. Agents can explain how lava zone designations and tsunami risks affect your policy options.

Frequently Asked Questions

What does a home insurance agent in Hilo do?

A home insurance agent helps you compare policies from different carriers. They explain coverage for perils like volcanic eruptions and hurricanes. They also assist with claims and policy changes.

Is hurricane insurance required in Hawaii?

Hawaii law requires insurers to offer hurricane coverage for residential property insurance. You can decline the coverage in writing. An agent can explain the cost and benefits of this option.

How do lava zones affect home insurance in Hilo?

Homes in Lava Flow Hazard Zones 1 and 2 may have limited coverage options. Some insurers do not write new policies in these zones. An agent can help you find a carrier that offers coverage in your area.

Home Insurance Agents in Other Hawaii Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each home insurance agent's credentials and current standing with your state Department of Insurance.