SB 804 Hawaii Senate · 2026 Regular Session

RELATING TO INSURANCE FOR HAWAII CONDOMINIUM PROPERTIES.

Summary

Requires property insurers to offer discounts on a condominium association's annual insurance premium if the association adopts specific risk mitigation upgrades or develops comprehensive disaster response plans. Requires property insurers of condominiums to base premium increases on actuarial justifications that reflect actual risk reduction resulting from upgraded fire safety improvements installed in conjunction with a building fire and life safety evaluation. Requires property insurers of condominiums to justify premium increases above ten per cent. Requires property insurers of condominiums to publicly report premium increases each year. Effective 7/1/2050. (SD2)

Bill status passed 3 of 5 stages cleared

Introduction

Jan 2025

Committee Review

Mar 2025

Senate Passage

Mar 2025

House Passage

Governor

Introduced Jan 17, 2025 Last action Dec 8, 2025

Maddy AI version diff · 2 comparisons

What changed between versions

SB804_SD1 → SB804_SD2 · 3 edits

MINOR

The bill was revised to change the version number from SD1 to SD2 and update associated metadata, including author names and timestamps. Substantively, the bill's scope was expanded from applying only to 'condominium properties' to 'condominium projects,' broadening the definition of eligible entities. The text was also cleaned up to remove inconsistent formatting and ensure consistent terminology throughout the definitions and requirements sections.

Scope change

The bill's applicability was broadened from 'condominium properties' to 'condominium projects,' potentially including a wider range of residential developments under the insurance premium adjustment rules.

DEFINITION

The term 'condominium' was consistently replaced with 'condominium project' in definitions and section references to broaden the scope of the law.

TECHNICAL

Metadata fields including author names, dates, and internal bill identifiers were updated to reflect the new version (SD2).

Inconsistent formatting, such as non-breaking spaces and stray characters in section headers, was corrected for clarity.

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

Mar 6, 2025

Committee

Referred to CPC, JHA, FIN, referral sheet 19

lower

Mar 4, 2025

Introduced

Received from Senate (Sen. Com. No. 200) in amended form (SD 2).

lower

Mar 4, 2025

Upper · Passed

Report adopted; Passed Third Reading, as amended (SD 2). Ayes, 25; Aye(s) with reservations: none . Noes, 0 (none). Excused, 0 (none). Transmitted to House.

upper

Feb 19, 2025

Upper · Passed

The committee(s) on JDC recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in JDC were as follows: 4 Aye(s): Senator(s) Rhoads, Chang, San Buenaventura, Awa; Aye(s) with reservations: none ; 0 No(es): none; and 1 Excused: Senator(s) Gabbard.

upper

Feb 19, 2025

Upper · Passed

The committee(s) on WAM recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in WAM were as follows: 13 Aye(s): Senator(s) Dela Cruz, Moriwaki, Aquino, DeCoite, Elefante, Hashimoto, Inouye, Kanuha, Kidani, Kim, Lee, C., Wakai, Fevella; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none.

upper

Feb 14, 2025

Upper · Passed

The committee(s) on WAM/JDC will hold a public decision making on 02-19-25 10:16AM; Conference Room 211 & Videoconference.

upper

Feb 14, 2025

Upper · Passed

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

upper

Feb 14, 2025

Committee

Reported from CPN (Stand. Com. Rep. No. 492) with recommendation of passage on Second Reading, as amended (SD 1) and referral to WAM/JDC.

upper

Feb 7, 2025

Upper · Passed

The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in CPN were as follows: 5 Aye(s): Senator(s) Keohokalole, McKelvey, Richards, Awa; Aye(s) with reservations: Senator(s) Fukunaga ; 0 No(es): none; and 0 Excused: none.

upper

Jan 31, 2025

Upper · Passed

The committee(s) on CPN has scheduled a public hearing on 02-05-25 10:00AM; Conference Room 229 & Videoconference.

upper

Jan 23, 2025

Committee

Referred to CPN, WAM/JDC.

upper

Jan 17, 2025

Introduced

Introduced.

upper

4 primary · 5 co-sponsors