All Roll Calls
Yes: 196 • No: 0
HawaiiSB 29642025–2026 Regular Session (Year 2)SenateWALLET
RELATING TO PROPERTY INSURANCE.
Sponsored By: Angus L.K. McKelvey (Democratic)
Signed by Governor
Summary
Requires homeowners insurance producers to notify policyholders that they may submit information regarding improvements made to the insured residential property, which shall then be submitted to the homeowners insurer. Requires homeowners insurers to reevaluate the replacement cost estimate based on the information submitted by a policyholder, and offer the policyholder the option to purchase additional coverage to cover the full amount of the replacement cost estimate. Establishes an administrative penalty. Effective 7/1/3000. (HD1)
Homeowners InsuranceUnderinsuranceReplacement Cost ValueNoticeOffer to Insure to ValueAdministrative PenaltyCPC
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 0 benefits, 1 costs, 1 mixed.
Fines for insurance rule violations
Starting January 1, 2027, a person who violates the new homeowners insurance requirements faces a $250 fine for each violation.
Homeowners can update coverage estimates
Starting January 1, 2027, your homeowners insurance producer must send you a paper notice at least once every two years. You can share the type and cost of home improvements, and the producer must send that information to your insurer. The insurer must use it to review your home's replacement cost. If your coverage is lower, the insurer must offer you more coverage up to that cost; the offer must state the premium, stay open for 30 days, and be renewed each year. You do not have to buy the added coverage, but it may increase your premium.
Sponsors & Cosponsors
Sponsor
Angus L.K. McKelvey
Democratic • Senate
Cosponsors
Stanley Chang
Democratic • Senate
Carol Fukunaga
Democratic • Senate
Troy N. Hashimoto
Democratic • Senate
Michelle N. Kidani
Democratic • Senate
Herbert M. "Tim" Richards III
Democratic • Senate
Roll Call Votes
House vote • 5/6/2026
House Floor Vote
Yes: 51 • No: 0
House vote • 4/29/2026
The Conference Committee recommends that the measure be Passed, with Amendments....
Yes: 3 • No: 0
Senate vote • 4/29/2026
The Conference committee recommends that the measure be PASSED, WITH AMENDMENTS....
Yes: 3 • No: 0
House vote • 4/14/2026
House Floor Vote
Yes: 51 • No: 0
House vote • 4/9/2026
House Floor Vote
Yes: 49 • No: 0
House vote • 3/31/2026
The committee on CPC recommend that the measure be PASSED, WITH AMENDMENTS. The ...
Yes: 9 • No: 0
Senate vote • 3/10/2026
Senate Floor Vote
Yes: 25 • No: 0
Senate vote • 2/25/2026
The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENT...
Yes: 5 • No: 0
Actions Timeline
Act 256, 07/14/2026 (Gov. Msg. No. 1358).
7/14/2026SenateAct 256, on 07/14/2026 (Gov. Msg. No. 1358).
7/14/2026HouseReceived notice of passage on Final Reading in House (Hse. Com. No. 888).
5/8/2026SenateEnrolled to Governor.
5/8/2026SenatePassed Final Reading, as amended (CD 1). Ayes, 25; Aye(s) with reservations: none . 0 No(es): none. 0 Excused: none.
5/6/2026SenatePassed Final Reading as amended in CD 1 with none voting aye with reservations; none voting no (0) and none excused (0).
5/6/2026HouseReceived notice of Final Reading (Sen. Com. No. 816).
5/6/2026HouseThe Conference committee recommends that the measure be PASSED, WITH AMENDMENTS. The votes of the Senate Conference Managers were as follows: 3 Aye(s): Senator(s) Keohokalole, McKelvey, Awa; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none.
4/29/2026SenateThe Conference Committee recommends that the measure be Passed, with Amendments. The votes were as follows: 3 Ayes: Representative(s) Matayoshi, Grandinetti, Pierick; Ayes with reservations: none; 0 Noes: none; and 0 Excused: none.
4/29/2026HouseReported from Conference Committee as amended CD 1 (Conf. Com. Rep. No. 75-26).
4/29/2026Senate48 Hrs. Notice (as amended CD 1) 05-06-26.
4/29/2026SenateReported from Conference Committee (Conf Com. Rep. No. 75-26) as amended in (CD 1).
4/29/2026HouseForty-eight (48) hours notice Wednesday, 05-06-26.
4/29/2026HouseBill scheduled for Conference Committee Meeting on Wednesday, 04-29-26 3:30PM in conference room 224.
4/28/2026HouseSenate Conferees Appointed: Keohokalole Chair; McKelvey Co-Chair; Awa.
4/27/2026SenateReceived notice of Senate conferees (Sen. Com. No. 783).
4/27/2026HouseHouse Conferees Appointed: Matayoshi Chair; Grandinetti, Pierick.
4/20/2026HouseReceived notice of appointment of House conferees (Hse. Com. No. 787).
4/20/2026SenateReceived from House (Hse. Com. No. 720).
4/16/2026SenateSenate disagrees with House amendments.
4/16/2026SenateReceived notice of disagreement (Sen. Com. No. 710).
4/16/2026HousePassed Third Reading with none voting aye with reservations; none voting no (0) and none excused (0). Transmitted to Senate.
4/14/2026HouseReported from CPC (Stand. Com. Rep. No. 1971-26) as amended in HD 1, recommending passage on Second Reading and placement on the calendar for Third Reading.
4/9/2026HousePassed Second Reading as amended in HD 1; placed on the calendar for Third Reading with none voting aye with reservations; none voting no (0) and Representative(s) Cochran excused (1).
4/9/2026HouseThe committee on CPC recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 9 Ayes: Representative(s) Matayoshi, Grandinetti, Chun, Ilagan, Kong, Marten, Tam, Pierick; Ayes with reservations: Representative(s) Iwamoto; Noes: none; and 2 Excused: Representative(s) Ichiyama, Lowen.
3/31/2026House
Bill Text
Bill Text
Original
SB2964_CD1
SB2964_HD1
SB2964_SD1
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