Notice of Cancellation or Nonrenewal for Residential Property Insurance Policies

JOSH GREEN, M.D. GOVERNOR | KE KIAʻĀINA SYLVIA LUKE LIEUTENANT GOVERNOR | KA HOPE KIAʻĀINA STATE OF HAWAII | KA MOKUʻĀINA ʻO HAWAIʻI DEPARTMENT OF COMMERCE AND CONSUMER AFFAIRS KA ʻOIHANA PILI KĀLEPA INSURANCE DIVISION 335 MERCHANT STREET, ROOM 213, HONOLULU, HAWAII 96813 P.O. BOX 3614, HONOLULU, HAWAII 96811 Phone Number: (808) 586-2790 Fax Number: (808) 587-6714 cca.hawaii.gov/ins/ NADINE Y. ANDO DIRECTOR | KA LUNA HOʻOKELE SCOTT K. SAIKI INSURANCE COMMISSIONER August 26, 2025 MEMORANDUM 2025-6R To: All Admitted Insurers Issuing Property Insurance Policies for Property Used for Residential Purposes From: Scott K. Saiki, Insurance Commissioner Subject: Notice of Cancellation or Nonrenewal for Residential Property Insurance Policies Act 110, which goes into effect on January 1, 2026, amends the notice requirements for the cancellation and nonrenewal of insurance policies covering property used for residential purposes, including single-family homes, multi-family dwellings, and condominium units. This is to clarify that the amended notice requirements apply to both personal and commercial insurance policies if the covered property is used, in whole or in part, for residential purposes. For example, if a condominium building contains both ground-floor retail shops and upper-floor apartments, and the insurance policy covers the entire building, the notice requirements under Act 110 apply. The same is true where a mixed-use tower includes several floors of commercial office space but also contains residential penthouses. Where residential occupancy is included in the property covered by the policy, the amended notice requirements under Act 110 apply. If the covered property is used solely for non-residential purposes, Act 110 does not change the existing notice requirements. Please feel free to contact the Rate & Policy Analysis Branch at insrpa@dcc.hawaii.gov or call (808)568-2809 if you have any questions.