Is it possible to get insurance in lava zones 1 or 2?

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Is it possible to get insurance in lava zones 1 or 2?

Marcus Brown
Investor · Phoenix, AZ · Member since 2013 · 136 posts · 29 votes

Suppose I wanted to build a house in one of these areas, is it possible to get some kind of insurance? I've googled it and it seems like it's not possible. Is that the case?

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  • Andrew Rosenberg
    Honolulu, HI · Member since 2020 · 196 posts · 190 votes
    5y

    Are you talking about The Big Island in Hawaii?  If so, PM me and I'll try to connect you with some folks locally that MIGHT be able to help.

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  • Christian Cramer
    Property Manager · Kihei, HI · Member since 2016 · 85 posts · 97 votes
    5y

    It used to be possible to get insurance in some lava zone 2 areas, like Hawaiian beaches/shores, nanawale estates, pahoa etc. After the 2018 flow it is now pretty much impossible. Some owners still have policies on homes in zone 2, but when they go to sell them they will not transfer. 

    Zone 3 is totally fine though. Most of Hilo/Keaau are in it. I pay $40-$60 a month per home for full hurricane/lava in zone 3 areas.

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