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Hawaii Property Insurance Crisis 2025 w/ Sue Savio, Anders Hostelley, & Patrick ONeill
🎙 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.
Hawaii Property Insurance • Hawaii Condo Insurance Crisis • Hawaii Housing Market • Honolulu Real Estate Podcast • Hawaii Property Values • Condo Financing Hawaii • Hawaii HOA Fees • Hawaii Insurance Premiums • Hawaii Homeowners • Hawaii Real Estate 2025 • Insurance Associates Hawaii • Sue Savio Insurance • Hawaii Realtor Podcast • Oahu Condo Market • Hawaii Housing Trends
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.
🔑 What You’ll Learn in This Episode📊 Why This Matters🎧 Expert Panel📍 Keywords & SEO Tags🔗 Watch & Listen
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By spotme97🎙 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.
Hawaii Property Insurance • Hawaii Condo Insurance Crisis • Hawaii Housing Market • Honolulu Real Estate Podcast • Hawaii Property Values • Condo Financing Hawaii • Hawaii HOA Fees • Hawaii Insurance Premiums • Hawaii Homeowners • Hawaii Real Estate 2025 • Insurance Associates Hawaii • Sue Savio Insurance • Hawaii Realtor Podcast • Oahu Condo Market • Hawaii Housing Trends
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.
🔑 What You’ll Learn in This Episode📊 Why This Matters🎧 Expert Panel📍 Keywords & SEO Tags🔗 Watch & Listen