Are you buying or selling a condo in Hawaii? Don’t let hidden insurance deductibles jeopardize your real estate investment.
Understanding your condo association’s master policy is more critical than ever. In this comprehensive update, we break down the complex layers of Hawaii condo insurance, exploring how the latest 2026 Fannie Mae and Freddie Mac guidelines limit master policy deductibles to $50,000 per unit and cap per-occurrence deductibles at 5%. We also dive into the reactivated Hawaii Hurricane Relief Fund (HHRF) and explain what a 2% building deductible actually means for your wallet if a storm hits.
A cheaper master policy with an enormous deductible may seem cost-effective for an association, but it transfers significant financial exposure directly to you. Whether you are a local Hawaii resident navigating a home sale or an international investor expanding a cross-border portfolio, protecting your asset starts with knowing your true financial risk.
For strategic, high-level real estate representation with a deep understanding of market regulations, contact our team to ensure your next transaction is seamless.
📞 Let’s discuss your Hawaii real estate strategy:
Jason Wong (PB), MBA
President & Principal Broker | Island Dragonfly, LLC
Personal Website: https://jasonwong.us
Firm Website: https://islanddragonfly.com
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