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Hawaii ho-6 insurance
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Hawaii HO6 Insurance

Hawaii HO6 policy is designed for condo owners in the state of Hawaii. The Hawaii HO6 condominium insurance that standard insurance companies such as Allstate and Prudential in cities such as Honolulu, Hilo, Aiea or Lahaina, will cover losses to any of your personal items and any structure you own. This policy also covers damages to any fixtures that have been upgraded since the home was purchased. Due to the recent housing crisis, many lenders and mortgage companies in the Hilo and Kailua Kona regions are requiring proof of insurance for condos.

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What Does HO6 Insurance Cover in Hawaii?

A standard condominium insurance policy in Hawaii whether you live in Honolulu, Hilo or Kahului will cover most damages to your HI condo and your personal belongings from perils such as fire, vandalism damage from falling objects, trucks or vehicles.

What is One Benefit of Having Hawaii Condo Insurance?

The value of building additions or alterations made by you, at your expense.

Buying Hawaii Condo Insurance

Master Policy - Living in Hawaii as part of an association, the association should have a master insurance policy to see what they cover so that you don't pay for coverage that is already covered.

Deductibles - This is the out of pocket amount that you will need to pay for each claim before the insurance policy kicks in. Additionally, there will be a deductible in the master policy in the event that there is an insurance claim under the master policy. Each member of the condo association will need to contribute their portion if there is some sort of disaster.

HO6 Condo Insurance Required in Most Areas Throughout Hawaii

Due to the housing crisis, mortgage companies are requiring HO6 insurance policies for any new condo purchases in the state of Hawaii.

Where is HO6 Condo Insurance in Hawaii?

The state of Hawaii now requires condo insurance everywhere you live:
  • Honolulu, HI
  • Hilo, HI
  • Kahului, HI
  • Kailua Kona, HI
  • Kapolei, HI
  • Lahaina, HI
  • Aiea, HI
  • Anahola, HI
  • Barbers Point, HI
  • Barbers Point NAS, HI
  • Camp H M Smith, HI
  • Captain Cook, HI
  • Eleele, HI
  • Ewa Beach, HI
  • Fort Shafter, HI
  • Haiku, HI
  • Hakalau, HI
  • Haleiwa, HI
  • Hana, HI
  • Hanalei, HI
  • Hanamaulu, HI
  • Hanapepe, HI
  • Hauula, HI
  • Hawaii National Park, HI
  • Hawi, HI