Do You Need Tsunami or Hurricane Insurance When Owning a Home In Hawaii?


Hawaii is known for its beautiful beaches and lush landscape, but it’s also one of the most hurricane and tsunami-prone states in America. If you’re a homeowner in Hawaii, it’s important to understand the risks involved with owning a home in this state and to make sure you have the appropriate insurance coverage. In this article, we’ll discuss tsunami and hurricane insurance, and help you decide if you need it for your home.

Weather in Hawaii

The weather in Hawaii is known to be beautiful year-round, but the state is also located in an area that is susceptible to hurricanes and tsunamis. Hurricane season in Hawaii typically runs from June through November, and while most hurricanes don’t make landfall in Hawaii, they can still cause damage to homes and property.

Tsunamis are rarer, but they can also cause damage to homes and property located along the coast. So, if you’re thinking about purchasing a home in Hawaii, or if you already own a home in Hawaii, it’s important to understand the risks involved with owning a home in this state and to make sure you have the appropriate insurance coverage.

If you’re in the former category and are looking to move to this beautiful state, consider Weaver Hawaii Real Estate for a team of professionals that you can trust.

Types of Hurricane and Tsunami Insurance in Hawaii

There are two types of hurricane insurance available in Hawaii: all-risk policies and named-storm policies. All-risk policies cover damage from all hurricanes, regardless of whether or not the hurricane is named. Named-storm policies only cover damage from hurricanes that are specifically named by the US National Weather Service.

When choosing between policies for your property, it’s important to keep this in mind. If you’re looking for the most comprehensive coverage, an all-risk policy is the best way to go. However, named-storm policies are usually less expensive. Therefore, you need to weigh up your needs and find the balance between cost and coverage.

Tsunami insurance is a type of hurricane insurance that specifically covers damage from tsunamis. Once again, you’ll need to pick the right package and ensure that you have a contract that suits your needs.

If you’re thinking about purchasing hurricane or tsunami insurance for your property in Hawaii, consider the value of your property, the deductible, and the level of coverage you’re comfortable with. With a little research, you can find the right policy for your needs.

Tropical storms and hurricanes are a fact of life in Hawaii. While we all hope that our homes and businesses will never be affected by one of these natural disasters, it’s always best to be safe than sorry.

Hurricane and Tsunami Statistics in Hawaii – Do You Need Insurance?

Did you know that Hawaii is the most hurricane-prone state in the US? According to the National Weather Service, Hawaii also has the potential for more destructive tsunamis than any other state in the US. With all of this potential danger, do you really need insurance? The answer is a resounding YES!

Just in case you need some convincing, here are a few statistics about hurricanes and tsunamis in Hawaii:

  • On average, Hawaii experiences around four hurricanes per year.
  • In the last 60 years, there have been 26 tsunami events in Hawaii.
  • The most destructive tsunami in Hawaii occurred in 1946. It was caused by an earthquake in the Aleutian Islands and resulted in around $26 million worth of damage and 159 deaths.
  • The most recent tsunami in Hawaii occurred in 2018. It was caused by an earthquake in the Kermadec Islands.

Get coverage today for your peace of mind!