Honolulu County has 1,001,146 residents in 338,868 households. We list 5 agencies for life insurance in Honolulu. Here is what the local numbers say about the cover people here need.

Honolulu at a glance

5life insurance agencies listed
40.2%of households rentRenters insurance
$897,500median home valueHome insurance
1977median year homes were builtRebuild cost calculator
9.7%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for Honolulu County (the Census does not publish Honolulu as a separate place). Agency count: our listings.

Natural hazard risk in Honolulu County

FEMA rates the overall natural hazard risk in Honolulu County, where most Honolulu agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance
Inland floodingVery High
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
WildfireRelatively High
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
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Where Honolulu agencies are

Honolulu agencies we list sit in 3 ZIP codes, mostly in Honolulu County.

968143 agencies
968131 agency
968171 agency

Questions

Life insurance in Honolulu

All insurance agencies in Honolulu · Life insurance across Hawaii

Where can I find life insurance in Honolulu?

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.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Do I need flood insurance in Honolulu?

FEMA's National Risk Index rates inland flooding risk in Honolulu County as Very 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.

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.

For insurance agencies

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