🎙 Hawaii Housing Report: Hawaii’s Property Insurance Crisis 2025

Hawaii’s real estate market is facing one of its most urgent challenges in decades — a property insurance crisis that is reshaping the value of condos, homes, and investment properties across the islands. In this special episode of the Hawaii Housing Report, host Patrick W. O’Neill (Principal Broker, Luxury Homes International) sits down with Sue Savio, President of Insurance Associates, to break down the crisis and its impact on Hawaii real estate in 2025.

• Soaring Insurance Premiums – Why some condo associations and homeowners are seeing increases of 300%–500% in just a few years.

• Underinsured Condos – How an estimated 400–500 condominium buildings in Hawaii no longer qualify for conventional financing.

• Ripple Effect on Property Values – What these rising insurance costs mean for homeowners, buyers, sellers, and Realtors.

• HOA Fees and Maintenance – How skyrocketing insurance is pushing monthly HOA costs to unsustainable levels.

• Financing Challenges – Why banks are tightening lending standards on underinsured properties, and what that means for future sales.

• Policy and Fire Safety Issues – How deferred maintenance, fire safety regulations, and the fallout from recent wildfires are shaping risk calculations for insurers.

Hawaii’s insurance crisis is not just about higher costs — it’s a systemic issue affecting property values, real estate liquidity, and long-term affordability. With hundreds of condo buildings underinsured, owners risk losing access to traditional financing, creating a downward pull on prices and discouraging new buyers.

For homeowners, this means shrinking resale values. For buyers, it means fewer loan options. For Realtors and investors, it represents both risk and opportunity in Hawaii’s evolving housing market.

• Patrick W. O’Neill, R – Principal Broker, Luxury Homes International. Veteran real estate executive with over $2 billion in closed transactions.

• Sue Savio – President, Insurance Associates. Hawaii’s leading insurance authority, with decades of expertise in condominium and property insurance.

Together, they provide an insider’s perspective on how to navigate the current crisis, protect your investment, and plan for the future of Hawaii real estate.

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Prefer visuals? Watch the full discussion on the Luxury Homes International YouTube Channel for graphs, charts, and data.
On the go? Subscribe to the Hawaii Housing Report Podcast on Spotify, Apple Podcasts, and Google Podcasts for expert insights delivered monthly.

The Hawaii Property Insurance Crisis of 2025 is already reshaping the market. Stay informed, stay prepared, and stay ahead with the Hawaii Housing Report.

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🎙 Hawaii Housing Report – August 2025

The Hawaii Housing Report is your trusted source for in-depth analysis of Hawaii’s real estate market, housing trends, and economic outlook. Hosted by Patrick W. O’Neill, Principal Broker of Luxury Homes International, and featuring renowned economist Paul Brewbaker, this August 2025 episode takes you inside the latest developments shaping property values, mortgage rates, insurance costs, and the overall health of Hawaii’s housing market.

Hawaii continues to face a shifting real estate landscape, with condominium insurance premiums skyrocketing, mortgage rates fluctuating, and inventory levels creating new challenges for both buyers and sellers. In this episode, Patrick and Paul dive into the numbers, break down what they mean for homeowners and investors, and provide clear, actionable insights to help you navigate today’s housing climate.

• Hawaii’s Condo Insurance Crisis – Why premiums have surged 300%–500% in some buildings, leaving hundreds of condos underinsured and no longer qualifying for conventional financing.

• Mortgage Rates & Financing – How interest rate movements are affecting buyers’ purchasing power and overall housing demand.

• Single-Family vs. Condo Market – Why single-family homes remain in short supply while the condo market faces downward pricing pressure.

• Economic Outlook – Economist Paul Brewbaker’s perspective on inflation, bond yields, and Federal Reserve policy—and how these macro factors impact Hawaii real estate.

• Impact on Property Values – What rising costs and financing challenges mean for homeowners looking to sell, buyers entering the market, and investors evaluating long-term opportunities.

Hawaii’s real estate market is unlike any other. With limited land, high construction costs, and strong local and international demand, small shifts in financing, insurance, or supply ripple across the entire housing sector. Understanding these forces is critical if you are:

• A homeowner considering selling or refinancing.

• A buyer navigating affordability challenges.

• A condo association board member struggling with insurance and maintenance fees.

• An investor or developer assessing Hawaii’s future housing demand.

• A Realtor looking for expert insights to guide clients with confidence.

The Hawaii Housing Report is a monthly podcast and video series that delivers clear, data-driven insights into Hawaii’s housing and economic environment. By combining real estate expertise with economic analysis, the show cuts through headlines to bring you practical takeaways you can use to make smarter real estate decisions.

Hosted by Patrick W. O’Neill, R (Principal Broker, Luxury Homes International) and joined by Paul Brewbaker (Principal, TZ Economics; former Chief Economist at Bank of Hawaii), the Hawaii Housing Report brings together decades of real estate and economic expertise.

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Prefer visuals? You can also watch the full video version of the Hawaii Housing Report on YouTube. For real-time charts, market graphs, and property insights, visit: [Luxury Homes International YouTube Channel].

For those who want to stay informed on the go, subscribe to the Hawaii Housing Report Podcast on Spotify, Apple Podcasts, Google Podcasts, and more.

Stay informed. Stay prepared. Stay ahead.
Whether you’re buying, selling, investing, or just keeping an eye on Hawaii’s real estate market, the Hawaii Housing Report is your go-to source for trusted insights.

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