HRS §431:10-219
Insurers must itemize premiums for multi-peril policies
Insurance companies that issue multi-peril policies must give the policyholder a written statement that breaks down the premium and coverage amounts for each type of coverage, like fire, liability, and crime. They must also list the rating factors used to calculate the final premium. This rule does not apply to homeowners policies.
The statute, as written — Multi-peril policies, premiums stated separately
Each insurer issuing a multi-peril policy shall provide the policyholder with a written statement separately stating the premiums and the amounts of insurance or limits of liability for fire and allied lines, inland marine, general liability, crime and each optional coverage, and shall state all pertinent rating factors including classifications, premium basis and rates used in the computation of the final premium. This section shall not apply to homeowners policies.
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