Homeowners

Not all of them. Most homeowners policies require separate coverage.
The following perils all require separate policies:

• Flood damage requires a separate Flood policy, usually through the National Flood Insurance Program (NFIP).
• Hurricane wind damage is often excluded or subject to a separate Hurricane policy or deductible once winds reach hurricane strength (74+ mph).
• Earthquakes require a separate Earthquake endorsement or policy.
• Lava and volcanic activity coverage depends on policy. Damage from fire caused by lava heat may be covered, but direct lava flow damage is often excluded unless insured through the Hawaii Property Insurance Association (HPIA).

Premiums are based on risk and rebuilding cost, not just home value. Key factors include location risks such as the coast, flood, or lava zones; replacement cost which tends to be high in Hawaii; natural disaster frequency and severity; and deductible choices.

A standard Hawaii homeowners policy typically includes:

• Dwelling coverage — damage to the home from covered perils like fire or non-hurricane wind
• Personal property — belongings such as furniture and electronics
• Liability protection — injuries or property damage to others
• Loss of use/additional living expenses — temporary housing if the home is uninhabitable after a covered loss

However, common exclusions include:

• Flood
• Earthquake
• Certain volcanic or earth-movement damage
• Wear and tear or poor maintenance