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Educational notes for homeowners. Not an insurer, not an agent, and not advice about your policy.

HI · NAIC WESTERN ZONE

Hawaii homeowners insurance non-renewal notice requirements

Hurricane and lava are the risks a standard homeowners form often limits or excludes. Read the declarations.

NOTICE RULE · NEEDS VERIFICATION

Needs verification

Hawaii’s homeowners nonrenewal notice period was not re-read from the statutes for this review.

NAIC department directory

2022 HO-3 AVERAGE

$1,431

Rank 25 in the Triple-I table of NAIC data. Not a 2026 price. The U.S. figure was $1,569.

2024 WESTERN ZONE

$1,600

Average premium per policy in the NAIC MCAS study. Company data are confidential, so this is not a Hawaii average.

ZONE NONRENEWALS

25.1 per 1,000 policies in 2024, the highest zone rate

The rate per 1,000 policies rose from 8.0 in 2022 to 25.1 in 2024. The full 2018–2024 percent change is inside the report’s 96% to 216% range and is not given as its own figure in the summary..

Premium trend

From 2018 to 2024, inflation-adjusted premium per policy in the Western zone: 43.3% after inflation, the high end of the four zones. Nominal average premium per policy rose 74% from 2018 to 2024 in the Western zone, before the inflation adjustment. The 2024 average was $1,600.

The countrywide 2024 book was about $1,600 per policy across 103.3 million policies. Localized ZIP codes move faster than the zone. A March 2026 NAIC data call is collecting ZIP-level detail that this page does not have yet.

[22][19][21]

Insurer of last resort

Hawaii FAIR plan. PIPSO counted 2,402 Hawaii habitational policies in fiscal year 2024. Triple-I notes the Hawaii FAIR plan does not offer a commercial policy. Perils and eligibility need verification. [22]

Where to complain

Hawaii Insurance Division takes complaints about notices, cancellations, and claim handling.Hawaii Insurance Division If the site has moved, start from the NAIC directory. Department web addresses were not all re-checked on this review beyond the link above. Needs verification if the link fails.

What to do with the notice

  1. Find three dates: the date the notice was mailed, the date the policy expires, and the date the company says coverage ends.
  2. Read the reason. “Underwriting reasons,” with nothing under it, is not an explanation you can appeal or fix.
  3. Decide which letter you have. A nonrenewal, a mid-term cancellation, and a renewal that cuts coverage or raises the price are different notices, and states time them differently.
  4. Keep paying the current policy until a new one is bound. A gap can put a mortgage into force-placed insurance, which protects the lender first.
  5. Ask the company, in writing, for the declarations page, the replacement-cost estimate, and which rating factors changed.
  6. If a mortgage company is on the policy, tell them you are replacing coverage before the old policy ends.
  7. Shop admitted insurers. If you cannot find one, use the residual-market note on your state page. A FAIR plan or Citizens policy is often narrower than the policy you had.
  8. Compare deductibles before you accept a lower premium. A percentage hurricane or wind deductible is a share of the dwelling limit, not a flat $1,000.
  9. If the notice looks late or states no real reason, complain to the state insurance department and keep the envelope or the electronic-delivery record.
  10. Ask about a mitigation credit only where the company will put the discount in writing: a new roof, opening protection, or defensible space, depending on the peril.

Insurers people search in Hawaii

Questions people type

How many days’ notice does Hawaii require before a homeowners non-renewal?

Needs verificationHawaii: needs verification. Hawaii’s homeowners nonrenewal notice period was not re-read from the statutes for this review. [27]

What is the average homeowners premium trend in Hawaii?

The 2022 HO-3 average republished by Triple-I from NAIC data was $1,431 in Hawaii, rank 25. That is not a 2026 price. Hawaii is in the NAIC Western zone, where the 2024 average premium per policy in the MCAS study was $1,600. Nominal average premium per policy rose 74% from 2018 to 2024 in the Western zone, before the inflation adjustment. The 2024 average was $1,600. [22][19][21]

What if I cannot find another homeowners insurer in Hawaii?

Hawaii FAIR plan: PIPSO counted 2,402 Hawaii habitational policies in fiscal year 2024. Triple-I notes the Hawaii FAIR plan does not offer a commercial policy. Perils and eligibility need verification. File a complaint or ask for help through Hawaii Insurance Division. If that site has moved, use the NAIC department directory. [22][27]

Sources reviewed 2026-10-14

Open the document. The sentence above is only as current as that reading.

  1. [19] Examining Homeowner Property Insurance Market Dynamics, 2018–2024 (31 July 2026). NAIC Center for Insurance Policy and Research. Reviewed 2026-10-14. https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf
  2. [21] NAIC members by zone. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/membership-report/members-zone
  3. [22] Facts + statistics: homeowners and renters insurance. Insurance Information Institute (Triple-I). Reviewed 2026-10-14. https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
  4. [26] SERFF Filing Access. NAIC. Reviewed 2026-10-14. https://filingaccess.serff.com/sfa/home/
  5. [27] State insurance department directory. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/state-insurance-departments