The top-rated home insurance agent in Kailua-Kona, Hawaii is Nakoa Kai Insurance Professionals: Allstate Insurance, rated 4.9 stars across 110 reviews. Other highly rated options include First American Title Company, Inc., Matt DeMille - State Farm Insurance Agent, Title Guaranty Kona. This directory lists 12 home insurance agents serving Kailua-Kona.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Nakoa Kai Insurance Professionals: Allstate Insurance | 75-167 Hualalai Rd Ste 101 | (808) 326-1125 |
| 2 | First American Title Company, Inc. | 75-240 Nani Kailua Dr Suite 1 | (808) 329-4431 |
| 3 | Matt DeMille - State Farm Insurance Agent | Hale Ku'i Plaza, 73-4976 Kamanu St #201 | (808) 331-1113 |
| 4 | Title Guaranty Kona | 75-5660 Kopiko St B3 | (808) 329-6666 |
| 5 | Lance Matsumura - State Farm Insurance Agent | 75-240 Nani Kailua Dr APT 12 | — |
| 6 | Aloha Insurance Services Inc | 75-5931 Walua Rd #100 | (808) 334-0044 |
| 7 | Keinnen Kato - State Farm Insurance Agent | 75-5722 Kuakini Hwy # 210 | (808) 327-5433 |
| 8 | Hawaiian Hurricane Group LLC | 75-5706 Hanama Pl # 203 | (808) 498-4270 |
| 9 | Atlas Insurance Agency | 75-167E Hualalai Rd | (808) 329-4844 |
| 10 | Paradise Insurance LLC | 74-5620 Palani Rd #205 | (808) 315-7207 |
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.
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.
Matt DeMille - State Farm Insurance Agent provides a full range of home insurance options, including coverage for single-family residences, condominiums, and rental properties. Service and maintenance plans are available to help policyholders customize their protection for natural disasters common to the Big Island region. The agency assists local homeowners in understanding flood and fire coverage needs specific to Kailua-Kona’s climate. Coverage plans extend to apartments, retail locations, and restaurants across the surrounding area.
Title Guaranty Kona serves homeowners, businesses, and property managers throughout the Kailua-Kona area with essential home insurance agent services. Clients rely on this locally based firm to help them compare and secure appropriate coverage for their residential and commercial properties in this coastal region. Policies typically protect against common hazards like windstorms, volcanic activity, and flooding that pose unique risks in Hawaii. The agency also assists with navigating policy options and explains coverage details clearly to each client. Its service area extends to include the neighboring communities of Holualoa and Captain Cook.
Aloha Insurance Services Inc serves Kailua-Kona and the surrounding communities across the Big Island, helping homeowners review coverage for single-family houses, condominiums, and vacation properties. The agency handles policies that protect dwellings against common island perils like volcanic activity and coastal weather conditions. To handle a typical job, it takes time to explain each policy option, assesses the property’s specific exposure, and then recommends a tailored coverage plan.
Keinnen Kato - State Farm Insurance Agent in Kailua-Kona, HI offers home insurance clients both one-time policy reviews and ongoing coverage management, focusing on protecting residential properties from common regional risks such as volcanic activity and tropical storms. Tailored plans address dwelling, personal property, and liability concerns with flexible terms. Service operates on an as-needed basis for claims support or policy updates.
Hawaiian Hurricane Group LLC offers property insurance services for homeowners, covering standard hazard policies and customized windstorm protection common in coastal island conditions. It provides assistance with policy review, claims support, and plan updates tailored to local weather risks. The company’s maintenance guidance helps clients maintain structural compliance with building codes. Typical services focus on single-family homes, apartments, retail spaces, and restaurants throughout Kailua-Kona, Hawaii.
As hurricane season approaches the Hawaiian Islands, homeowners in Kailua-Kona seek reliable coverage against wind and storm surge. Atlas Insurance Agency assists residents in this coastal community by offering tailored home insurance policies that address both tropical weather risks and the region’s unique volcanic activity. Their agents work with multiple carriers to find a policy that fits each home’s structural needs. A thorough initial assessment of the property, including an inspection of roofing and foundation, is the first step in building a comprehensive plan.
Paradise Insurance LLC specializes in matching homeowners with tailored property coverage for the residential needs of Kailua-Kona. The agency also provides general services such as reviewing existing policies to identify gaps in protection. For its clients, it consistently assists with the unique seasonal challenge of preparing for hurricane season along the Big Island’s coastline, helping families adjust deductibles and windstorm endorsements before storms approach.
What Does a a Home Insurance Agent in Kailua-Kona Cost?
Typical home insurance costs in Kailua-Kona range from 800 to 2,500 per year for a standard single-family home. Premiums are higher in high-risk lava zones and for older homes. Hurricane coverage adds a separate deductible. Costs vary by property value construction type and location. This is general information and not insurance advice.
About home insurance agents in Kailua-Kona
A home insurance agent in Kailua-Kona helps you find coverage for your property on the Big Island. Hawaii law requires insurers to offer hurricane coverage for residential properties. Agents can also explain how lava zone designations affect your policy options.
Frequently Asked Questions
What does a home insurance agent in Kailua-Kona do?
A home insurance agent helps you compare policies from different insurers. They explain coverage for hurricane windstorms volcanic eruptions and lava flow. They also assist with claims and policy changes.
Do I need special coverage for a home in a lava zone?
Yes homes in lava zones 1 and 2 on the Big Island may have limited coverage options. Some insurers will not write new policies in these zones. An agent can help you find a carrier that offers lava flow coverage.
How does Hawaii hurricane coverage work with home insurance?
Hawaii law requires insurers to offer hurricane coverage as a separate deductible. The deductible is usually 1 percent to 5 percent of the dwelling limit. An agent can explain how this deductible applies to your policy.