SB 1128 Hawaii Senate · 2026 Regular Session

RELATING TO INSURANCE.

Summary

Establishes requirements for insurers relating to claims for additional living expenses under homeowners insurance policies, including situations where losses are incurred during a state of emergency. Effective 7/1/2050. (SD1)

Bill status passed 3 of 5 stages cleared

Introduction

Jan 2025

Committee Review

Feb 2025

Senate Passage

Feb 2025

House Passage

Governor

Introduced Jan 17, 2025 Last action Dec 8, 2025

Maddy AI version diff · 1 comparison

What changed between versions

SB1128 → SB1128_SD1 · 3 edits

MINOR

The Senate Draft 1 of SB 1128 makes one major substantive change: it delays the effective date from 'upon its approval' to July 1, 2050, effectively putting the insurance provisions on a roughly 25-year hold. The bill also changes sponsorship from Carol Taniguchi to Ainoa Naniole and includes minor grammatical corrections.

Scope change

The scope of the bill's provisions remains the same, but its practical applicability is effectively suspended until 2050 due to the delayed effective date. The bill would pass without any immediate legal effect on insurers or policyholders.

TIMELINE

The effective date was changed from 'upon its approval' (immediate) to July 1, 2050, which delays all provisions of the act by approximately 25 years. This is the most significant change in the draft.

TECHNICAL

Sponsorship changed from Carol Taniguchi to Ainoa Naniole, and the bill was converted from a House Bill template to a Senate Draft (SD) template.

Minor grammatical fix: 'additional living expense coverage' was changed to 'additional living expenses coverage' (plural).

Floor votes

How they voted

This bill passed the Senate by voice vote (no roll call recorded).

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Feb 10, 2025

Upper · Passed

Report adopted; Passed Second Reading, as amended (SD 1) and referred to WAM.

upper

Feb 10, 2025

Committee

Reported from CPN (Stand. Com. Rep. No. 172) with recommendation of passage on Second Reading, as amended (SD 1) and referral to WAM.

upper

Jan 31, 2025

Upper · Passed

The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in CPN were as follows: 3 Aye(s): Senator(s) Keohokalole, Fukunaga, McKelvey; Aye(s) with reservations: none ; 0 No(es): none; and 2 Excused: Senator(s) Richards, Awa.

upper

Jan 24, 2025

Upper · Passed

The committee(s) on CPN has scheduled a public hearing on 01-31-25 9:30AM; Conference Room 229 & Videoconference.

upper

Jan 23, 2025

Committee

Referred to CPN, WAM.

upper

Jan 17, 2025

Introduced

Introduced.

upper

1 primary · 0 co-sponsors