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Browse home insurance agents serving Pearl City, Hawaii. Contact information and addresses listed below.
5 agents listed
Updated May 2026
Pearl City, 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 5 home insurance agents in Pearl City, 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.
American Income Life: AO
98-1256 Kaʻahumanu St e203, Pearl City, HI 96782
(800) 842-0022
americanincomelifeao.com
Margaret Yamashita - State Farm Insurance Agent
850 Kamehameha Hwy Ste 113, Pearl City, HI 96782
(808) 455-7944
myamashita.com
Marcus Murakami: Allstate Insurance
98-1238 Kaʻahumanu St STE 303, Pearl City, HI 96782
(808) 638-4044
agents.allstate.com
Keala N Kamai: Allstate Insurance
450 Kamehameha Hwy Ste 8, Pearl City, HI 96782
(808) 486-3370
agents.allstate.com
Wayne Midro - State Farm Insurance Agent
425 Kamehameha Hwy STE 301, Pearl City, HI 96782
(808) 484-8844
teammidro.com
Home insurance agents in Pearl City help residents find coverage for their homes and belongings. Hawaii law requires insurers to offer hurricane coverage as an add on to standard homeowners policies. An agent can explain local risks like volcanic activity and tsunami zones that affect policy options.
What Does a Home Insurance Agent in Pearl City Cost?
Home insurance costs in Pearl City vary based on your homes value location and coverage limits. Average annual premiums in Hawaii range from 1,000 to 3,000 dollars for standard policies. Hurricane coverage adds 500 to 1,500 dollars per year depending on your homes wind resistance features. 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 home insurance agent in Pearl City do?
A home insurance agent helps you compare policies from different companies to find coverage that fits your home and budget. They explain policy details such as dwelling coverage personal property limits and liability protection. Agents also assist with filing claims and updating your policy when needed.
Do I need hurricane insurance for my Pearl City home?
Hawaii law does not require hurricane insurance but mortgage lenders often do. Standard homeowners policies in Hawaii exclude windstorm damage from hurricanes. You can buy a separate hurricane policy or add it as an endorsement through your agent.
How do I choose a home insurance agent in Pearl City?
Look for an agent licensed in Hawaii who has experience with local property types and risks. Ask about their knowledge of Hawaii specific coverages like lava damage and volcanic eruption protection. Check reviews and verify their license with the Hawaii Department of Commerce and Consumer Affairs.
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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.