Hawaii Homeowners Insurance

RLI has been providing hurricane insurance, condo insurance, renters insurance and vacation home insurance for homeowners in Hawaii for more than 22 years.

At RLI, we understand that Hawaii homeowners have very different insurance needs than homeowners in other states. We don’t shy away from high-risk exposures. In fact, RLI is one of only a few insurance companies writing hurricane coverage in Hawaii that is rated A+ by AM Best. Our home insurance is available to Hawaii residents through independent agents located on each island. Find the agent nearest you for more information.

Homeowners Insurance

Your home could be the largest personal investment you make. And when you own a home in Hawaii, the “price of paradise” can be challenging to insure. With hurricane insurance and coverage for oceanfront properties and older homes, RLI offers something more — or DIFFERENT — than what is available in the standard market.

• Primary and secondary residences up to $4.5 million
• Corporately-owned homes, family trusts and LLCs
• Homes located in remote areas (all islands)
• Homes under construction
• Hurricane coverage

Condominium Insurance

It can be difficult to get clear answers to questions about insuring your condo unit. You want coverage for personal belongings and liability, but also want to protect what is not covered in your association’s policy. At RLI, we make it easy by customizing a condo insurance policy for your unique needs.

• Dwelling coverage up to $4.5 million
• Guest medical protection
• Unit owners extended coverage
• Property manager coverage
• Hurricane coverage

Renters Insurance

Renters insurance is an important, yet often-ignored, coverage that can give you total peace of mind. A renters insurance policy from RLI Hawaii protects your belongings from theft and damage, and provides liability coverage if someone is injured in your apartment.

• Personal property protection
• Personal liability protection
• Identity theft protection

Dwelling Fire Insurance

If you want protection for your rental property or vacation home but don’t need a comprehensive homeowners policy, dwelling fire coverage could be the answer. RLI can tailor a dwelling fire insurance policy to meet your specific needs and budget.

• Dwelling coverage up to $4.5 million
• Tenant occupied
• Hurricane coverage 
• Premises liability