Hawaii HO8 Insurance

Hawaii HO-8 Insurance policy is designed for older homes in Hawaii. The Hawaii HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in Hawaii are AllState and Auto Club and they operate in cities such as Honolulu, Kahului, Kapolei or Hilo.


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What Will HO8 Insurance Cover in Hawaii?

A standard home insurance policy in Hawaii whether you live in Honolulu, Hilo or Kahului will cover most damages to your HI home and your personal belongings from perils such as fire, vandalism damage from falling objects, riots, theft, trucks or vehicles.

What is Hawaii HO8 Insurance?

Useful on older buildings that may be of historic importance and has a lower market value than pure replacement cost.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in Hawaii. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in Hawaii?

The policy will cover any home in the state Hawaii such as:
  • Honolulu, HI
  • Hilo, HI
  • Kahului, HI
  • Kailua Kona, HI
  • Kapolei, HI
  • Lahaina, HI
  • Hakalau, HI
  • Hawaii National Park, HI
  • Hanapepe, HI
  • Hanamaulu, HI
  • Hanalei, HI
  • Hana, HI
  • Haleiwa, HI
  • Fort Shafter, HI
  • Ewa Beach, HI
  • Wheeler Army Airfield, HI
  • Captain Cook, HI
  • Camp H M Smith, HI
  • Barbers Point NAS, HI
  • Barbers Point, HI