Renters insurance is often overlooked by people living in or moving to Hawaii, but skipping this type of coverage can lead to significant risks. Whether you’re a long-time tenant or new to the islands, understanding what’s at stake without renters insurance is crucial.

While Hawaii is known for its beautiful beaches and lush landscapes, the state’s location and conditions come with unique challenges that renters need to be prepared for, including natural disasters, theft, and property damage. If you’re renting a home or apartment in Hawaii without insurance, you could face financial and logistical problems that can affect your overall quality of life.

Here’s a closer look at what happens when you don’t have renters insurance in hawaii.

Financial Risks from Unexpected Losses

Hawaii is not only a paradise for residents but also for frequent tourists, leading to increased risks of theft in some rental properties. According to a 2022 report by the Hawaii Crime Prevention Research Center, property crime accounted for 85% of all reported crimes in the state, with burglary and larceny-theft being significant contributors. Without renters insurance, you’ll have to bear the full cost of replacing stolen valuables, which can quickly add up.

Additionally, Hawaii’s unique climate poses its own risks. Coastal rental properties might experience high humidity, leading to mold and other damages to personal belongings. Hurricanes, flooding, and even volcanic activity on the Big Island can destroy possessions. Without insurance, you’ll have to cover these losses out of pocket, which could result in financial strain.

No Liability Protection

Renters insurance doesn’t just protect your belongings—it also provides liability coverage. Without this safety net, you could wind up financially responsible if someone is injured while visiting your rented property.

For example, if a guest trips on uneven flooring in your apartment and sustains an injury, they could sue for medical expenses. Hawaii’s no-fault laws don’t apply in these scenarios, so costs could include legal fees and settlement amounts—all of which must be paid out of pocket if you don’t have renters insurance.

Displacement from Natural Disasters

Hawaii’s natural beauty comes with inherent environmental challenges. As an island state, Hawaii regularly faces risks like hurricanes and tropical storms. According to the National Weather Service, Hawaii experienced $325 million in property damages over the past decade due to severe weather events.

If your rental property becomes uninhabitable from such disasters and you’re uninsured, you’ll need to cover temporary housing and relocation expenses on your own. Renters insurance often includes “loss-of-use” coverage, paying for hotel stays or alternative rentals during displacement. Without this, options become limited, and costs can easily spiral.

Limited Recovery from Landlord Insurance

A common misconception is that your landlord’s insurance will cover personal belongings and liability claims in the event of an incident. However, this coverage typically only extends to structural repairs and does not include any protection for your personal possessions.

For example, if there’s a fire in your apartment caused by a neighbor’s carelessness, your landlord’s insurance will repair the damage to the building—but items like your furniture, electronics, and clothing will not be replaced unless you’re covered by your own policy.

The Bottom Line

Renters insurance in Hawaii is affordable, averaging $13 to $15 monthly, according to the Insurance Information Institute. This small expense can save renters thousands of dollars annually by covering unexpected losses, liability claims, or temporary housing.

Without renters insurance, you risk financial hardships, displacement, and significant inconveniences that could easily be avoided. If you’re renting in Hawaii, investing in renters insurance is not just a smart decision—it’s peace of mind in paradise.