Model deductible exposure
Compare an equal-share or stated allocation estimate with available coverage and cash.
Open resource →Resource center · reviewed July 24, 2026
Condo Insurance & Assessment Planning
Organize Hawaiʻi condo master-policy deductibles, HO-6 questions, assessment exposure, association records, and insurance documents before buying.
Review the building and the unit together. A unit policy cannot be evaluated well without the association master policy, current deductibles, governing documents, budget, reserves, assessments, and insurance requirements.
Request the current documents
Organize master-policy, HO-6, reserve, assessment, budget, and minutes review.
Open resource →Use the condo decision center
Shortlist buildings, screen document risk, and prepare primary-document questions.
Open resource →Decision path
Use the cluster in order
- Request the current master-policy declarations and association documents.
- Ask a licensed insurance professional to explain what the master policy and proposed HO-6 policy do and do not cover.
- Model—not predict—possible deductible and assessment exposure using the actual allocation method when known.
- Review reserves, budgets, minutes, projects, claims, and assessments with the appropriate professionals before relying on the result.
Primary sources