# Hawaii SB 1136: RELATING TO INSURANCE.

Hawaii SB 1136, RELATING TO INSURANCE., is a 2025–2026 Regular Session (Year 1) Senate bill sponsored by Angus L.K. McKelvey (Democratic); status in committee, last action 2025-02-05 (The committee on CPN deferred the measure.) (as of 2026-10-17).

- Canonical: https://policyrisk.com/state-bill/HI-SB1136-2025
- As of: 2026-10-17
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Hawaii SB 1136
- State: Hawaii
- Session: 2025–2026 Regular Session (Year 1)
- Title: RELATING TO INSURANCE.
- Status: in committee
- Chamber: Senate
- Introduced: 2025-01-17
- Last action: 2025-02-05, The committee on CPN deferred the measure.
- Sponsor: Angus L.K. McKelvey (Democratic)
- Cosponsors: 3
- Subjects: Insurance, Ratemaking, Homeowners Insurance, Regulations, Wildfire Risk, Past Loss Experience, Catastrophe Modeling, State of Emergency, Additional Living Expenses Coverage, Replacement Cost Value, Policies, Over­Insurance, CPN/PSM, WAM/JDC
- Touches household money: no
- Economic provisions PRIA read: 0

## Summary

Establishes ratemaking regulations for insurers who base their rates on a policyholder or applicant's wildfire risk. Amends the definition of "prospective loss costs" to incorporate catastrophe modeling instead of historical aggregate losses. Prohibits insurers from basing certain insurance rates on past loss experience within or outside the State. Requires insurers to provide a list of items that may be covered under a homeowners insurance policy issued or renewed on or after 1/1/2026, as additional living expenses when a claim for additional living expenses is made. If a loss relating to a state of emergency occurs, requires coverage for additional living expenses for a period of not less than 24 months from the loss, subject to other policy provisions. Requires that coverage for additional living expenses not limit a policyholder's right to recovery if the insured home is made uninhabitable by a covered peril and allows an insurer to provide a reasonable alternative remedy that addresses the property condition that precludes reasonable habitation of the insured premises. Requires additional living expenses coverage for at least 2 weeks for certain losses incurred if a state of emergency is accompanied by an order of civil authority restricting access to the home. Beginning on 1/1/2026, requires each newly issued or renewed homeowners insurance policy that covers a property within the State to provide for the replacement cost value of the insured property. Amends the determination of over insurance under section 431:l0E-102, HRS.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Angus L.K. McKelvey (Democratic), Senate
- Cosponsor: Stanley Chang (Democratic), Senate
- Cosponsor: Kurt Fevella (Republican), Senate
- Cosponsor: Troy N. Hashimoto (Democratic), Senate

## Actions (6)

- 2025-02-05: The committee on CPN deferred the measure. (Senate)
- 2025-02-05: The committee on PSM deferred the measure. (Senate)
- 2025-01-31: The committee(s) on CPN/PSM has scheduled a public hearing on 02-05-25 9:30AM; Conference Room 229 & Videoconference. (Senate)
- 2025-01-23: Referred to CPN/PSM, WAM/JDC. (Senate)
- 2025-01-21: Passed First Reading. (Senate)
- 2025-01-17: Introduced. (Senate)

## Bill text

- Original: [HTML](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1136_.HTM), [PDF](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1136_.pdf)

## Related bills

- SB 572: RELATING TO HOUSING. (signed)
- HB 431: RELATING TO HOUSING. (signed)
- HB 420: RELATING TO REMEDIES. (signed)
- SB 1296: RELATING TO DISASTER RECOVERY. (signed)
- HB 830: RELATING TO HISTORIC PRESERVATION REVIEWS. (signed)
- HB 1064: RELATING TO FIRE PROTECTION. (signed)

## Sources
- [Original (HTML)](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1136_.HTM)
- [Original (PDF)](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1136_.pdf)

## Related
- [SB 572: RELATING TO HOUSING.](https://policyrisk.com/state-bill/HI-SB572-2025)
- [HB 431: RELATING TO HOUSING.](https://policyrisk.com/state-bill/HI-HB431-2025)
- [HB 420: RELATING TO REMEDIES.](https://policyrisk.com/state-bill/HI-HB420-2025)
- [SB 1296: RELATING TO DISASTER RECOVERY.](https://policyrisk.com/state-bill/HI-SB1296-2025)
- [HB 830: RELATING TO HISTORIC PRESERVATION REVIEWS.](https://policyrisk.com/state-bill/HI-HB830-2025)
- [HB 1064: RELATING TO FIRE PROTECTION.](https://policyrisk.com/state-bill/HI-HB1064-2025)
- [Hawaii bills](https://policyrisk.com/states/hawaii/bills)
- [Hawaii state hub](https://policyrisk.com/states/hawaii)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/HI-SB1136-2025 (as of 2026-10-17).