Questions About Hawaiian Beaches Subdivision

[Nyfinestbxtf]

Originally Posted by whtviper1

Spectrum starting speeds in Hawaii are 100 mbps. If you aren’t getting that call them or maybe it is your router if wireless.

I’m wireless. Maybe I can replace the router and modem. Just did a speed test and it just had me at 40mbps. I really don’t need anything more than that.

[whtviper1]

Originally Posted by Nyfinestbxtf

I’m wireless. Maybe I can replace the router and modem. Just did a speed test and it just had me at 40mbps. I really don’t need anything more than that.

Before you go out buying new routers and modems - unplug them both, wait at least 5 minutes, then try again.

Also, try a wired approach - see the speed.

Then I'd reach out to Spectrum and ask for advice if still low.

Keep in mind, when you go wireless - you can also be limited by the hardware of the device.

[grantw]

Originally Posted by whtviper1

Yikes. Even a million dollar place on Oahu would probably be half that.

Is it really that cheap? $75/month to insure $1 million property on Oahu?

[whtviper1]

Originally Posted by grantw

Is it really that cheap? $75/month to insure $1 million property on Oahu?

I looked up one of my rental properties I just refinanced. It appraised at $980,000 2 months ago.

The Liberty Mutual policy is $927 a year or $81/month.

[KohalaTransplant]

Originally Posted by grantw

Is it really that cheap? $75/month to insure $1 million property on Oahu?

I don't think it has as much to do with the island as it does with the risk factors, Lava Zones, Flood zones, Hurricane exposure, etc.

Another thing to keep in mind is that the Homeowners policy is only insuring the structure, so if the $1M home is a $300k structure sitting on a $700k lot, from and insurance perspective that is no different than a $400k home that is a $300k structure sitting on a $100k lot.

For another data point, we are on the Big Island, lava zone 9, $1.5M home ($1.2M structure on a $300k lot), our Homeowners is $830 ($69/mo), Separate Hurricane policy is $350 ($29/mo).

Compare that to someone above that reported $1800/yr for a home in Lava Zone 2 valued at $265k.

[grantw]

Nice... Compared to rates in North Texas we still make out pretty cheap.
Our property tax is under a thousand bucks a year so we feel that we slide in ok enough.

[terracore]

In LZ 3 $225k coverage is about $35/month through Dongbu. Liberty Mutual was only a few dollars more. Both policies included hurricane coverage. Our farm insurance which is liability only cost more than that.

When it comes to property insurance you need to shop around. Our cheapest providers in Alaska were the most expensive ones here.

[reefshadow]

Originally Posted by Nyfinestbxtf

There are three subdivisions within Hawaiian Beaches. There is Hawaiian Beaches, Hawaiian Shores, and I think Hawaiian Parks. Hawaiian Shores is said to be the best of the three. They all have mail delivery and county water. No catchment tank. Hawaiian Shores is pretty much to the right side of Kahakai Blvd. There won’t be any google street view of the properties because on the dead end roads it will say on the pavement, “private property.” That is all Hawaiian Shores.

Our home owner insurance there in LZ2 I think is $130 a month. Not too sure. Wasn’t as bad as I thought it would be. Property taxes are $600 annually. We have a 3 br 2 bath 1200 sq ft house.

We have Spectrum for cable and internet. Our internet speed is about 60mbps. Not sure if they have higher speed than that.

Thanks so much, who is your insurance provider?