HRS §431:10E-124
When insurers can use your questions against you
Read the official text at capitol.hawaii.gov ↗An insurance company cannot deny, cancel, or raise rates on your homeowners policy just because you asked them questions. They can only use your questions if those questions reveal new information you had not told them before.
homeowners
The statute, as written — Use of inquiries and other information
A copy, taken August 20, 2026. The version published by the Legislature is the one that governs, and it may have changed since. Check it before relying on anything here.
An insurer shall not refuse to issue, refuse to renew, or cancel a homeowners insurance policy, or establish rates for coverage based in whole or in part on inquiries made by any consumer to an insurer, unless the inquiry provides information not previously disclosed by the insured.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.