Hawaii DP-3 landlord checks
- Lease status, renovation plans, and vacancy periods should be stated clearly.
- Premises liability and fair-rental-value limits should be reviewed together.
- The landlord or entity name should be consistent across quote documents.
- In Hawaii, separate wind, named-storm, and flood questions before comparing the premium.
- Flood should be checked separately in Hawaii; a homeowners quote normally is not a flood quote.
Landlord quote questions
| Question | Why it matters |
|---|---|
| Is the property occupied now? | A vacant or renovation property may not qualify for the same quote. |
| What rental income is being protected? | Fair rental value should be visible, not assumed. |
| Are detached structures used by tenants? | Garages, sheds, and shared areas can change the exposure. |
| What inspection evidence is ready? | Photos and maintenance records can reduce back-and-forth. |
Practical note
A Hawaii landlord quote should be reviewed beside the lease status, ownership name, and recent property photos.