Hawaii HO-3 items to verify
- Owner-occupied status and replacement-cost assumptions for the dwelling.
- Major systems, exterior material, and inspection timing.
- In Hawaii, separate wind, named-storm, and flood questions before comparing the premium.
- Flood should be checked separately in Hawaii; a homeowners quote normally is not a flood quote.
- Ordinance, water backup, and service-line options.
HO-3 quote questions
| Question | Why it matters |
|---|---|
| What assumptions did the agent enter? | Roof year, square footage, protection class, and prior losses all matter. |
| Does the quote match lender rules? | Mortgagee wording and deductible limits can affect closing. |
| What is excluded or sublimited? | Flood, earth movement, vacancy, and business use need direct review. |
| What follow-up documents are likely? | Permits, photos, and inspections often answer underwriting questions. |
Practical note
For a Hawaii HO-3 quote, compare the policy form, deductible wording, and endorsement list before comparing only the premium.
Verify with official sources
Use current regulator and map information, then confirm the answer in the carrier’s quote and policy.