Big Island

Big Island: Homeowner’s Insurance Updates for Lava Zones 1 and 2

Homeowners insurance cost continues to rise for those living in lava zones 1 and 2, which is primarily in Pahoa, on the Big island. You can view my last blog about the issues obtaining insurance for Puna district neighborhoods such as Leilani Estates, Hawaiian Shores/Beaches, Seaview and Puna Palisades. Since my last post in September, there has been another rate increase and currently Hawaii Property Insurance Association (HPIA) will note insure homes that are used as short term vacation rentals.

Mutual Members Insurance Co-operative is exploring a member-owned insurance co-op for primary residence owners of single family homes located in lava zones 1 and 2. This will be an alternative to the HPIA with the goal of lowering insurance premiums. Mutual Members Insurance Co-operative is conducting a feasibility study and needs feedback from current homeowners  if they are interested in joining a member-owned insurance co-op.  Interested homeowners can complete the Google Form on their website by August, questions or more information, send an email to

There is also an additional insurance resource for owners that have short-term or long-term investment properties in lava zone 1 or 2. National Real Estate Insurance Group offers a residential investment property insurance program.  Request for a quote is available online.

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