Request the current documents
Organize master-policy, HO-6, reserve, assessment, budget, minutes, and governing-document review.
Open resource →Resource center · reviewed August 7, 2026
Condo Insurance & Assessment Planning
Organize Hawaiʻi condo master-policy deductibles, HO-6 questions, assessment exposure, association records, and insurance documents before buying.
Comparable facts
Condo insurance review path comparison
Review the building and the unit together. Start with current primary documents—not amenities, a sales description, or an old fee sample. A unit policy cannot be evaluated well without the association master policy, current deductibles, governing documents, budget, reserves, assessments, and insurance requirements.
Build shortlistBuild a shortlist, treating every listing price and association fee as a dated unit sample—not a building average.
Request documentsRequest current master-policy declarations, budgets, reserves, assessments, minutes, governing documents, and unit rights.
Screen unknownsMark unknown or conflicting information before interpreting cost or financeability.
Model exposureAsk licensed insurance and lending professionals to explain the current documents, then model—not predict—possible exposure.
Verify propertyVerify parcel, permits, hazards, title, inspection findings, and unit-specific rights before relying on the deal.
Review the building and the unit together. Start with current primary documents—not amenities, a sales description, or an old fee sample. A unit policy cannot be evaluated well without the association master policy, current deductibles, governing documents, budget, reserves, assessments, and insurance requirements.
Model deductible exposure
Compare an equal-share or stated allocation scenario with entered coverage and cash.
Open resource →Use the condo decision center
Shortlist buildings, calculate complete cost, and screen unresolved document risk.
Open resource →Document-first path
Use the cluster in order
- Build a shortlist, treating every listing price and association fee as a dated unit sample—not a building average.
- Request current master-policy declarations, budgets, reserves, assessments, minutes, governing documents, and unit rights.
- Mark unknown or conflicting information before interpreting cost or financeability.
- Ask licensed insurance and lending professionals to explain the current documents, then model—not predict—possible exposure.
- Verify parcel, permits, hazards, title, inspection findings, and unit-specific rights before relying on the deal.
Primary sources