Are you buying or selling a condominium in Hawaii? Understanding where your building’s master insurance policy ends and your personal liability begins is one of the most crucial steps in protecting your island investment.
In this video, I break down exactly how Hawaii condominium association master policies interact with HO-6 unit owner policies. Many buyers are surprised to learn that an association’s master policy often stops at the original construction elements, leaving luxury upgrades, modern fixtures, and expensive renovations completely unprotected. If you’ve invested heavily in transforming your unit with Italian cabinets or high-end appliances, you cannot rely on the master policy to cover those additions.
We also explore the vital 2026 updates to Fannie Mae and Freddie Mac lending guidelines. These new regulations mandate HO-6 coverage when master policies carry per-unit deductibles or fail to cover interior improvements. With master deductibles now strictly capped at $50,000, the landscape of condo financing and insurance has fundamentally shifted for both local Hawaii residents and international investors.
Whether you are a local family purchasing your first Oahu condo, a seasoned investor managing commercial properties, or an overseas buyer looking for a seamless luxury acquisition in Hawaii, having the right coverage is non-negotiable. It is imperative to periodically compare your HO-6 policy with your building’s master policy—especially after a major renovation or a shift in association deductibles.
Watch the full breakdown to ensure your Hawaiian real estate journey remains secure, compliant, and inspired.
Connect with me to schedule a complimentary property evaluation or to discuss your real estate portfolio:
Jason Wong (PB) MBA, Principal Broker
Island Dragonfly, LLC
🌐 Personal Site: https://jasonwong.us
🌐 Firm Site: https://islanddragonfly.com
(Disclaimer: This is real estate commentary, not legal or insurance advice. Always consult a Hawaii-licensed insurance producer regarding your specific policy.)
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