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Find Home Insurance Agents Near You in Lihue, HI

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

The top-rated home insurance agent in Lihue, Hawaii is Yukimura & Associates: Allstate Insurance, rated 4.8 stars across 44 reviews. Other highly rated options include Adam Smith - State Farm Insurance Agent, Skip Koenig - State Farm Insurance Agent, Punua Insurance. This directory lists 17 home insurance agents serving Lihue.

Showing 17 home insurance agents in Lihue, HIListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Yukimura & Associates: Allstate Insurance2987 Umi St STE 101(808) 246-2665
2Adam Smith - State Farm Insurance Agent4374 Kukui Grove St Ste 103(808) 821-2630
3Skip Koenig - State Farm Insurance Agent4491 Kolopa St(808) 632-0406
4Punua Insurance4268 Rice St # A(808) 245-8508
5Eric Kaneda - State Farm Insurance Agent2970 Haleko Rd #106(808) 245-3554
6Business Insurance4485 Pahee St # 140(808) 245-2773
7Heritage Insurance HI1616 Haleukana St(808) 431-3375
8Title Guaranty Lihue4414 Kukui Grove St(808) 245-3381
9Pyramid Insurance - Kauai4405 Kukui Grove St #102(808) 245-4624
10Mokihana Insurance Agency4393 Kukui Grove St #102(808) 245-9573
YA
2987 Umi St STE 101
Yukimura & Associates: Allstate Insurance
Home Insurance Agent · Lihue, HI

Yukimura & Associates: Allstate Insurance serves the Lihue, Hawaii area, offering home insurance agent services. It helps homeowners secure coverage that protects residential properties against common island perils like windstorm and hurricane damage. The agency assists clients in customizing policies to fit their specific needs and budget requirements. It handles policy modifications and claims support for local residents in this region.

AS
4374 Kukui Grove St Ste 103
Adam Smith - State Farm Insurance Agent
Home Insurance Agent · Lihue, HI

Adam Smith - State Farm Insurance Agent provides a comprehensive range of home insurance services for property owners in Lihue, HI, specializing in tailored policy offerings that safeguard against common island risks. These include customizable coverage options for dwelling structure, personal belongings, and liability protection, with flexible service plans that allow for periodic policy reviews and straightforward claims assistance from a local agent. The company serves a variety of residential and commercial properties in the area, including single-family homes, apartments, retail spaces, and restaurants.

SK
4491 Kolopa St
Skip Koenig - State Farm Insurance Agent
Home Insurance Agent · Lihue, HI

Homeowners and property managers in Lihue rely on Skip Koenig - State Farm Insurance Agent for tailored home insurance coverage that safeguards their dwellings and personal belongings. This agency helps clients assess their risk exposure and select appropriate policies to protect against localized weather events and other common perils specific to the island. Services include reviewing policy options, processing claims, and adjusting coverage as needs evolve. The agency also serves homeowners throughout the surrounding Kauai communities, including Kapaa.

PI
4268 Rice St # A
Punua Insurance
Home Insurance Agent · Lihue, HI

As a local home insurance agent in Lihue, HI, Punua Insurance helps homeowners understand the difference between a one-time policy purchase at closing and recurring annual coverage that protects long-term investment. They assist clients in evaluating a property's specific risks, from hurricane exposure to flood zones, ensuring a policy matches the dwelling's replacement cost and personal liability needs. Whether for a new home or an existing residence, coverage planning addresses both structure and contents. Service to customers runs strictly on an as-needed basis for questions, claims, and renewals.

EK
2970 Haleko Rd #106
Eric Kaneda - State Farm Insurance Agent
Home Insurance Agent · Lihue, HI

Serving Lihue and surrounding communities throughout Kauai, Eric Kaneda’s State Farm Insurance Agency handles home insurance for local homeowners. The agency offers coverage tailored to protect residential properties from island-specific risks like tropical storms and volcanic activity. For each client, it conducts a thorough review of individual property needs to determine appropriate policy limits and deductibles. The agency’s approach involves personally comparing coverage options to ensure each homeowner understands their protection, explaining deductibles and liability details before customizing a policy.

BI
4485 Pahee St # 140
Business Insurance
Home Insurance Agent · Lihue, HI

Business Insurance provides specialized services in finding appropriate coverage for homeowners in Lihue, Hawaii. It works to match clients with policies that address the specific risks of island properties, including older structures and coastal exposures. Year-round, it assists with comparing options for dwelling protection and liability coverage. As hurricane season approaches, this agent helps local homeowners review their windstorm deductibles and confirm their insurance limits are still adequate for potential storm damage.

HI
1616 Haleukana St
Heritage Insurance HI
Home Insurance Agent · Lihue, HI

Heritage Insurance HI assists homeowners in Lihue with obtaining coverage for their properties, addressing standard risks such as fire, theft, and weather-related damage. The company can also arrange specialized add-ons, including flood insurance and extended replacement cost protection for high-value dwellings. Serving residential clients throughout the local area, the agency is capable of providing policies for various commercial sectors, such as offices, warehouses, and food service establishments.

TG
4414 Kukui Grove St
Title Guaranty Lihue
Home Insurance Agent · Lihue, HI

Title Guaranty Lihue provides residential home insurance services to homeowners throughout the Lihue area. The agency also offers commercial insurance policies for local businesses. Coverage extends across the island, helping clients protect their properties from regional risks. Each policy is carefully tailored to meet individual needs. Agency staff assist clients with claims and policy adjustments during regular business hours. Returning policyholders can easily review or update their existing plans with the same team between scheduled annual visits.

PI
4405 Kukui Grove St #102
Pyramid Insurance - Kauai
Home Insurance Agent · Lihue, HI

With the intense sun and frequent rain of Kauai, wind and moisture damage to roofs is a common concern for homeowners. Pyramid Insurance in Lihue helps local property owners review their current coverage to ensure protection against such seasonal risks. This independent agency assists clients in comparing different policies to match the specific needs of island homes and structures. As a first step, agents typically schedule a thorough property inspection to assess existing conditions and identify potential vulnerabilities.

MI
4393 Kukui Grove St #102
Mokihana Insurance Agency
Home Insurance Agent · Lihue, HI

Mokihana Insurance Agency is a reliable home insurance agent serving the Lihue area, known for helping local homeowners secure coverage that protects their property against island-specific weather risks. The agency’s service range includes standard homeowners policies tailored to residential needs, offering protection for structures and personal belongings. Homeowners can also consult with the agent about mitigating exposure to wind and flood damage common in Hawaii. A specialty add-on it can arrange is coverage for valuable personal items such as jewelry or fine art.

NA
4370 Kukui Grove St
Noguchi & Associates Inc
Home Insurance Agent · Lihue, HI
(808) 245-8449
AI
4493 Pahee St
Atlas Insurance Inc
Home Insurance Agent · Lihue, HI
(808) 246-1335
atlasinsurance.com
KC
2984 Ewalu St # D
Kauai Credit Adjusters Ltd
Home Insurance Agent · Lihue, HI
(808) 245-4094
HL
3-3295 Kuhio Hwy Suite 202
HMSA - Lihue (Kauai)
Home Insurance Agent · Lihue, HI
(800) 776-4672
hmsa.com
PI
3, 2600 Kaumualii Hwy #1606
Pyramid Insurance - Kauai KGSC
Home Insurance Agent · Lihue, HI
(808) 245-1941
pyramidins.com
AF
2973 B, 2973 Umi St
Aflac
Home Insurance Agent · Lihue, HI
(808) 241-7555
aflac.com/agents/derrick_ching.aspx
KY
2987 Umi St
Koa Yukimura REALTOR
Home Insurance Agent · Lihue, HI
(808) 342-6088

What Does a a Home Insurance Agent in Lihue Cost?

The average cost of homeowners insurance in Hawaii is around $1,200 to $2,500 per year for a standard policy, but rates vary by location, home value, and coverage limits. Lihue properties near the coast may have higher premiums due to hurricane and flood risk. Adding hurricane coverage can increase your premium by 20% to 40%. This is general information and not insurance advice.

About home insurance agents in Lihue

A home insurance agent in Lihue can help you find a policy that protects your property against risks common to Hawaii, such as hurricanes, volcanic activity, and tsunami. Hawaii law requires insurers to offer hurricane coverage as a separate deductible, and many policies exclude lava damage unless you add a special endorsement. An agent can explain these local nuances and help you compare quotes from multiple carriers.

Frequently Asked Questions

What does a home insurance agent in Lihue do?

A home insurance agent helps you choose a policy that fits your needs and budget. They explain coverage options, such as dwelling, personal property, and liability, and can assist with claims. In Lihue, they also advise on hurricane and volcanic eruption coverage specific to Hawaii.

Is hurricane insurance required in Hawaii?

Hawaii law requires insurers to offer hurricane coverage, but you can decline it in writing. If you have a mortgage, your lender may still require it. The hurricane deductible is usually a percentage of your dwelling coverage, often between 1% and 5%.

Does homeowners insurance cover lava damage in Hawaii?

Standard homeowners policies typically exclude lava damage. You can purchase a separate volcanic eruption endorsement or a special policy from the Hawaii Property Insurance Association for properties in high risk zones. An agent can explain your options based on your location.

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.