Insurance Rates Soar in Hawaii: What It Means for Real Estate Values. Recorded September 2025

Hawaii Housing Report: Property Insurance Crisis | Rising Rates, Underinsured Condos & Real Estate Impact

Hawaii’s property insurance market is facing a serious crisis that is reshaping the future of condos, single-family homes, and real estate values across the islands. Condo and home insurance premiums, along with HOA maintenance fees, are skyrocketing—some increasing by 300% to 400% in just a few years.

An estimated 400–500 condominium buildings in Hawaii are now underinsured and no longer qualify for conventional financing. That means lower property values, reduced buyer demand, and new risks for owners, sellers, and Realtors.

In this episode of the Hawaii Housing & Real Estate Report, we bring together an expert panel to break down what’s happening in Hawaii’s insurance market, why it matters, and what you can do to protect your investment.

Featured Expert Panel:
Sue Savio – President, Insurance Associates
Anders Hostelley – Regional Manager, Guaranteed Rate Mortgage
Patrick W. O’Neill R – Principal Broker, Luxury Homes International

Topics We Cover:
✅ The root causes of Hawaii’s skyrocketing insurance rates
✅ The ripple effect of Maui’s tragic wildfire disaster on statewide insurance availability
✅ Why so many Hawaii condos are underinsured—and what that means for buyers and sellers
✅ How deferred maintenance is making it harder for associations to secure affordable coverage
✅ Honolulu’s fire safety ordinance and its impact on condo associations and financing
✅ Practical advice for owners, buyers, Realtors, and condo boards navigating this crisis

Why This Matters for You:
If you own a condo or home in Hawaii—or are planning to buy or sell—this insurance crisis directly affects your property values, your ability to finance, and your monthly costs. Rising premiums and stricter underwriting standards are reshaping Hawaii’s real estate market in ways every owner, investor, and Realtor needs to understand.

Key Takeaways:
Underinsured condos may see property values decline due to financing restrictions

Buyers must be cautious about insurance availability before making offers

Realtors need to guide clients through complex disclosure and financing challenges

Associations must address deferred maintenance and compliance issues to remain insurable

Hawaii Real Estate Insights
This discussion provides critical insights for homeowners, buyers, Realtors, lenders, and investors navigating Hawaii’s real estate market in 2025 and beyond. Whether you’re focused on Honolulu condominiums, single-family homes, or investment properties, understanding the insurance crisis is essential for protecting both your assets and your financial future.

📍 Luxury Homes International – Honolulu, Hawaii
🌐 www.LuxuryHm.com | RB-18777





🔹 Hawaii Real Estate & Market

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🔹 Insurance & Maintenance Crisis

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🔹 Buyers, Sellers & Realtors

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🔹 Broader Real Estate & Economy

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Island Elegance: Master Hawaii Home Staging with Tropical Decor and Stunning Ocean Views

Transform Your Space with Tropical Decor

Imagine walking into a home that instantly transports you to a serene Hawaiian paradise. Tropical decor is the cornerstone of effective Hawaii home staging, infusing spaces with vibrant colors, natural textures, and lush greenery. By incorporating elements like bamboo furniture, rattan accents, and botanical prints, you create an inviting atmosphere that appeals to potential buyers seeking a slice of island life. This aesthetic not only highlights the unique charm of Hawaii but also makes your property stand out in the competitive real estate market.

Maximize Appeal with Stunning Ocean Views

One of Hawaii's most coveted features is its breathtaking ocean views. Highlighting these vistas can significantly enhance your property's appeal. Position furniture to frame the view, use mirrors to reflect natural light, and keep window treatments minimal to ensure unobstructed sightlines. Showcasing the expansive horizon can evoke a sense of tranquility and luxury, making your home more attractive to buyers who dream of waking up to the soothing sounds of the ocean.

Optimize Space with Strategic Furniture Arrangement

Effective furniture arrangement is critical in home staging, especially in Hawaii where spaces may vary from open beachside villas to cozy mountain retreats. Arrange furniture to create a natural flow, emphasize spaciousness, and highlight key features of the home. Avoid clutter by selecting pieces that are both functional and stylish, ensuring each room feels balanced and inviting. Thoughtful layout not only enhances the visual appeal but also helps buyers envision their own lives within the space.

Enhance Property Presentation for Real Estate Success

In the competitive Hawaii real estate market, impeccable property presentation can make all the difference. Professional staging showcases your home's best attributes, creating memorable first impressions that drive interest and offers. Invest in high-quality photography and virtual tours to capture the essence of your staged home, allowing potential buyers to experience its beauty from anywhere in the world. A well-presented property not only attracts more prospective buyers but also often leads to quicker sales at higher prices.

Integrate Interior Design Principles for Lasting Impact

Blending interior design principles with home staging elevates the overall presentation of your property. Focus on creating cohesive color schemes, balanced lighting, and harmonious textures that reflect Hawaii's natural beauty. Incorporate local materials and artisanal crafts to add authenticity and character. A well-designed interior not only enhances aesthetic appeal but also conveys a sense of quality and care, reassuring buyers of the value and potential of your home.

Boost Your Home's Marketability with Professional Staging

Professional Hawaii home staging goes beyond mere decoration; it strategically enhances your property's strengths and minimizes its weaknesses. By leveraging expertise in tropical decor, optimal furniture arrangement, and stunning ocean views, staged homes often sell faster and for higher prices compared to non-staged counterparts. Investing in professional staging services demonstrates your commitment to presenting your home in the best possible light, making it a smart move for any serious seller aiming to achieve real estate success in Hawaii's dynamic market.