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Compare home insurance agents in Kapaʻa. Review contact information and insurance categorys before you decide.
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 home 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
A home insurance agent in Kapaʻa helps homeowners protect their property against Hawaii specific risks like hurricane damage, volcanic eruptions, and lava flows. Agents can explain policy options that comply with Hawaii Revised Statutes Chapter 431 governing insurance practices. They also assist with claims related to tsunami or flood damage common in coastal areas.
What Does a Home Insurance Agent in Kapaʻa Cost?
Home insurance costs in Hawaii vary widely based on property value, location, and coverage limits. Average annual premiums on Kauai range from 1,200 to 3,000 dollars for standard policies. Homes in high risk volcanic or flood zones may cost more. This is general information, 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 home insurance agent in Kapaʻa do?
A home insurance agent helps you find a policy that covers your home and belongings. They explain coverage limits for hurricane, volcanic, and flood perils. They also assist with filing claims and understanding policy exclusions.
Do I need separate flood insurance in Kapaʻa?
Yes, standard home insurance does not cover flood damage. You may need a separate flood policy through the National Flood Insurance Program. Many Kapaʻa properties are in flood zones, so an agent can help you assess your risk.
How does Hawaii law affect home insurance policies?
Hawaii law requires insurers to offer hurricane coverage as part of a standard homeowners policy. The Hawaii Hurricane Relief Fund provides backup coverage if private insurers cannot. Agents must explain these options under Hawaii Revised Statutes Section 431:10A.
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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.