SB1128 amends Hawaii insurance laws to extend coverage for additional living expenses during emergencies.

SB1128 amends Hawaii insurance laws by adding provisions to Chapter 431, Article 10E, concerning homeowners insurance policies. It mandates insurers to provide policyholders with a list of items potentially covered as additional living expenses. If a covered loss occurs during a state of emergency, insurers must cover these expenses for at least 24 months, with possible extensions up to 36 months. The bill also ensures policyholders are not limited in their right to recovery if their premises are rendered uninhabitable by a covered peril.

SB1128 amends Hawaii insurance laws to extend coverage for additional living expenses during emergencies.

SB1128 amends Hawaii insurance laws by adding provisions to Chapter 431, Article 10E, concerning homeowners insurance policies. It mandates insurers to provide policyholders with a list of items potentially covered as additional living expenses. If a covered loss occurs during a state of emergency, insurers must cover these expenses for at least 24 months, with possible extensions up to 36 months. The bill also ensures policyholders are not limited in their right to recovery if their premises are rendered uninhabitable by a covered peril.