# Hawaii SB 804: RELATING TO INSURANCE FOR HAWAII CONDOMINIUM PROPERTIES.

Hawaii SB 804, RELATING TO INSURANCE FOR HAWAII CONDOMINIUM PROPERTIES., is a 2025–2026 Regular Session (Year 2) Senate bill sponsored by Carol Fukunaga (Democratic); status failed, last action 2025-12-08 (Carried over to 2026 Regular Session.); PRIA reads it as touching household money (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/HI-SB804-2026
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Hawaii SB 804
- State: Hawaii
- Session: 2025–2026 Regular Session (Year 2)
- Title: RELATING TO INSURANCE FOR HAWAII CONDOMINIUM PROPERTIES.
- Status: failed
- Chamber: Senate
- Introduced: 2025-01-17
- Last action: 2025-12-08, Carried over to 2026 Regular Session.
- Sponsor: Carol Fukunaga (Democratic)
- Cosponsors: 8
- Subjects: Condominiums, Property Insurance, Insurance Premiums, Discounts, Risk Mitigation Upgrades, Disaster Response Plans, Fire and Life Safety Evaluation, CPC, JHA, FIN
- Touches household money: yes
- Roll calls: 4 (47 yes, 0 no in all)
- Economic provisions PRIA read: 0

## 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 overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Carol Fukunaga (Democratic), Senate
- Cosponsor: Stanley Chang (Democratic), Senate
- Cosponsor: Troy N. Hashimoto (Democratic), Senate
- Cosponsor: Les Ihara Jr. (Democratic), Senate
- Cosponsor: Jarrett Keohokalole (Democratic), Senate
- Cosponsor: Angus L.K. McKelvey (Democratic), Senate
- Cosponsor: Sharon Y. Moriwaki (Democratic), Senate
- Cosponsor: Karl Rhoads (Democratic), Senate
- Cosponsor: Herbert M. "Tim" Richards III (Democratic), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-03-04 | Senate | Senate Floor Vote | pass | 25 | 0 |   |
| 2025-02-19 | Senate | The committee(s) on WAM recommend(s) that the measure be PASSED, WITH AMENDMENT... | pass | 13 | 0 |   |
| 2025-02-19 | Senate | The committee(s) on JDC recommend(s) that the measure be PASSED, WITH AMENDMENT... | pass | 4 | 0 |   |
| 2025-02-07 | Senate | The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENT... | pass | 5 | 0 |   |

## Actions (18)

- 2025-12-08: Carried over to 2026 Regular Session.
- 2025-03-06: Pass First Reading (House)
- 2025-03-06: Referred to CPC, JHA, FIN, referral sheet 19 (House)
- 2025-03-04: 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. (Senate)
- 2025-03-04: Received from Senate (Sen. Com. No. 200) in amended form (SD 2). (House)
- 2025-02-28: Reported from WAM/JDC (Stand. Com. Rep. No. 884) with recommendation of passage on Third Reading, as amended (SD 2). (Senate)
- 2025-02-28: 48 Hrs. Notice 03-04-25. (Senate)
- 2025-02-19: 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. (Senate)
- 2025-02-19: 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. (Senate)
- 2025-02-14: Reported from CPN (Stand. Com. Rep. No. 492) with recommendation of passage on Second Reading, as amended (SD 1) and referral to WAM/JDC. (Senate)
- 2025-02-14: Report adopted; Passed Second Reading, as amended (SD 1) and referred to WAM/JDC. (Senate)
- 2025-02-14: The committee(s) on WAM/JDC will hold a public decision making on 02-19-25 10:16AM; Conference Room 211 & Videoconference. (Senate)
- 2025-02-07: 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. (Senate)
- 2025-02-05: The committee(s) on CPN deferred the measure until 02-07-25 9:46AM; Conference Room 229. (Senate)
- 2025-01-31: The committee(s) on CPN has scheduled a public hearing on 02-05-25 10:00AM; Conference Room 229 & Videoconference. (Senate)
- 2025-01-23: Referred to CPN, WAM/JDC. (Senate)
- 2025-01-21: Passed First Reading. (Senate)
- 2025-01-17: Introduced. (Senate)

## Bill text

- Bill Text: [PDF](https://data.capitol.hawaii.gov/sessions/session2026/bills/SB804_SD2_.pdf)
- Original: [HTML](https://data.capitol.hawaii.gov/sessions/session2026/bills/SB804_.HTM), [PDF](https://data.capitol.hawaii.gov/sessions/session2026/bills/SB804_.PDF)
- SB804_SD1: [HTML](https://data.capitol.hawaii.gov/sessions/session2026/bills/SB804_SD1_.HTM)
- SB804_SD2: [HTML](https://data.capitol.hawaii.gov/sessions/session2026/bills/SB804_SD2_.HTM)

## Related bills

- SB 847: RELATING TO PSYCHOLOGISTS. (became law)
- HB 2344: RELATING TO SCHOOL FACILITIES. (signed)
- HB 2023: RELATING TO TRANSPORTATION. (signed)
- HB 2021: RELATING TO TRANSPORTATION. (signed)
- SB 2338: RELATING TO HOUSING. (signed)
- HB 1973: RELATING TO HEALTH. (signed)

## Sources
- [Bill Text (PDF)](https://data.capitol.hawaii.gov/sessions/session2026/bills/SB804_SD2_.pdf)
- [Original (HTML)](https://data.capitol.hawaii.gov/sessions/session2026/bills/SB804_.HTM)
- [Original (PDF)](https://data.capitol.hawaii.gov/sessions/session2026/bills/SB804_.PDF)
- [SB804_SD1 (HTML)](https://data.capitol.hawaii.gov/sessions/session2026/bills/SB804_SD1_.HTM)
- [SB804_SD2 (HTML)](https://data.capitol.hawaii.gov/sessions/session2026/bills/SB804_SD2_.HTM)

## Related
- [SB 847: RELATING TO PSYCHOLOGISTS.](https://policyrisk.com/state-bill/HI-SB847-2026)
- [HB 2344: RELATING TO SCHOOL FACILITIES.](https://policyrisk.com/state-bill/HI-HB2344-2026)
- [HB 2023: RELATING TO TRANSPORTATION.](https://policyrisk.com/state-bill/HI-HB2023-2026)
- [HB 2021: RELATING TO TRANSPORTATION.](https://policyrisk.com/state-bill/HI-HB2021-2026)
- [SB 2338: RELATING TO HOUSING.](https://policyrisk.com/state-bill/HI-SB2338-2026)
- [HB 1973: RELATING TO HEALTH.](https://policyrisk.com/state-bill/HI-HB1973-2026)
- [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-SB804-2026 (as of 2026-11-01).