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Mike Bates

Mike Bates

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Moving into Our Hawaii Home

The purchase is done and you're moving into your new home!  What needs to be done?

It depends...  Are you moving into a house, townhome or condo?  Most houses do not include any utilities and you'll need to contact the respective companies for service.  Some townhomes and condos include basic cable tv in the maintenance fee.  If you're okay with basic cable you don't need to add that feature.  Some condos include electricity and gas too.  Check with Mike if you're not sure what utilities are included with the property.

Hawaii Utility Companies

Homeowners Insurance

Most Hawaii condos and townhomes include insurance for the building and common areas in their maintenance fees.  Insuring the interior of a residence and its contents is the buyer's responsibility. 

Single family homes in Hawaii generally have no coverage until the buyer obtains it.  Your lender may have made insurance a condition of the loan and include a policy premium in an "impound account" - so that the premium is paid as part of your monthly loan.  Check with your lender for details.

Hurricane Insurance

Hurricane insurance is required by many lenders.  The annual premium for a 3 bedroom, 2 bath house is around $1,000 per year.  Certain subdivisions, such as Waikele and Ewa by Gentry include hurricane insurance in their monthly association fees.  This can be good for homeowners since the associations can generally negotiate a lower rate for all owners, rather than each homeowner obtaining hurricane insurance on his own.

Note: Hawaii has experienced two hurricanes in recent memory.  Hurricane Iwa visited in 1982 and Hurricane Iniki arrived in 1992.  Both hurricanes did some damage to Oahu but Kauai was hit the worst.

Hawaii insurance companies we have experience with:

For your information: Hawaii's statewide area code is "808."

Mike Bates
Realtor Associate
Century 21 iProperties Hawaii

1585 Kapiolani Blvd #1533
Honolulu, HI 96814
Phone: 808-548-1220


I have been selling and buying properties in Canada, Hawaii and Japan for nearly 40 homes and found out Mr. Mike Bates is one of the best and I call him the king of real estate in Hawaii. I will keep asking him to buy and sell properties in the future for sure!

Thank you very much Mike for your great services and hard working manner for me in the past, present and future.
Yuji - April 2019
Mike was awesome. He was very patient and understanding with us. There were times where we just wanted to put things on hold due to the frustration however Mike stuck in with us. We truly appreciate all that he has done for us and will definitely recommend hom to any family or friends that are looking to buy a home. Alton and Janeen K. - August 2018
Excellent customer service! We bought and sold our home with Mike, he is the best realtor in Hawaii. Jerry and Candace G. - July 2018
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