Insurance agencies · Hawaii
Insurance Agencies in Kailua Kona, HI
Local agencies in Kailua Kona for home, auto, life and business insurance. Compare them and call one directly.
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Local insight
Insuring a home, car or business in Kailua Kona
Hawaii County has 205,769 residents in 74,072 households. We list 3 insurance agencies in Kailua Kona. Here is what the local numbers say about the cover people here need.
Kailua Kona at a glance
- 3insurance agencies listed
- 26%of households rentRenters insurance
- $519,300median home valueHome insurance
- 1989median year homes were builtRebuild cost calculator
- 4.8%of households have no carAuto insurance
Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for Hawaii County (the Census does not publish Kailua Kona as a separate place). Agency count: our listings.
Natural hazard risk in Hawaii County
FEMA rates the overall natural hazard risk in Hawaii County, where most Kailua Kona agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:
- Lightning
Fire and lightning are standard covered causes of loss on home policies.
Home insurance - Earthquake
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance - Inland flooding
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance - Wildfire
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance
Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.
Car insurance rules in Hawaii
Hawaii requires drivers to carry at least $40,000 of bodily injury liability per person, $80,000 per accident and $20,000 of property damage liability, often written 40/80/20. It also requires personal injury protection ($10,000).
These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.
Auto insurance How much liability cover do you need?
Source: cca.hawaii.gov, limits in force since 2026-01-01. Checked 2026-10-24.
Where Kailua Kona agencies are
Kailua Kona agencies we list sit in 2 ZIP codes, mostly in Hawaii County.
- 967402 agencies
- 967451 agency
Questions
Insurance agencies in Kailua Kona
How do I find an insurance agency in Kailua Kona?
Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.
Do I need flood insurance in Kailua Kona?
FEMA's National Risk Index rates inland flooding risk in Hawaii County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Do I need renters insurance in Kailua Kona?
26% of households in Hawaii County rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.
How do I choose an agency?
Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.
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