Homeowners Insurance Loss-Control Program Discount for Fire Safety

How it works

Hawaiʻi enacted a statewide homeowners insurance discount requirement for fire-safety loss-control measures. Beginning January 1, 2025, a homeowners insurer must grant a premium discount to an applicant who submits written verification that the insured property has implemented qualifying measures to reduce the risk or damage from fire, including fire caused by wildfire or lava.

What the money covers

The statute specifically names:

• Removal of flammable material, debris, and vegetation within certain perimeters of the insured property
• Removal of risk of fire caused by lava
• Use of inflammable material in the construction or renovation of the insured property

Amounts and matching

• The law requires a discount, but the official text does not state a fixed percentage or dollar amount.
• The commissioner is to prescribe requirements for determining whether a property was constructed or renovated with inflammable material.
• Verification must comply with commissioner-prescribed requirements.

Timing and deadlines

• Effective beginning January 1, 2025.
• The statute also directs the Insurance Commissioner to adopt rules.

Notes for homeowners

This is not a grant or rebate paid by the state; it is a mandated insurance premium reduction offered through your homeowners insurer when you can document qualifying fire-hardening or loss-control work.