HRS §431:10-209
Warranties, misrepresentations in applications
This section says that what you tell an insurance company when applying for a policy is a representation, not a warranty. A wrong statement only blocks your claim if you meant to deceive the company or if it truly changed the risk they took on.
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The statute, as written — Warranties, misrepresentations in applications
All statements or descriptions in any application for an insurance policy or in negotiations therefor, by or on behalf of the insured, shall be deemed to be representations and not warranties. A misrepresentation shall not prevent a recovery on the policy unless made with actual intent to deceive or unless it materially affects either the acceptance of the risk or the hazard assumed by the insurer.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.