Insurance Requirements: Auburn vs Kent
How do insurance requirements rules compare between Auburn, WA and Kent, WA?
Auburn has fewer restrictions than Kent.
Auburn, WA
King County
Auburn does not mandate minimum liability insurance for STRs, but Washington RCW 64.37 requires platforms to provide $1 million coverage. Operators should carry their own commercial short-term rental policy.
View full Auburn rules →Kent, WA
King County
Washington RCW 64.37 requires Kent short-term rental operators to maintain at least $1 million in liability insurance or list through a platform that provides equivalent coverage. Proof must be available upon request.
View full Kent rules →Key Facts Comparison
| Fact | Auburn | Kent |
|---|---|---|
| State minimum (RCW 64.37) | $1,000,000 liability | - |
| Platform coverage | AirCover, Vrbo liability | - |
| Homeowners policy | Usually excludes STR | - |
| Recommended | Dedicated STR policy | - |
| Direct bookings | Operator must carry insurance | - |
| Minimum Coverage | - | $1 million per occurrence |
| State Law | - | RCW 64.37.040 |
| Platform Coverage | - | Airbnb and VRBO may satisfy |
| Homeowner Policy | - | Typically insufficient alone |
| Proof | - | Required on request |
Highlighted rows indicate differences between cities.
Auburn FAQ
Is platform insurance enough?
It meets the RCW 64.37 minimum for bookings made through that platform, but direct bookings and some claim types may not be covered. A commercial STR policy fills the gaps.
Will my homeowners insurance cover STR stays?
Usually not. Most policies exclude commercial lodging. Notify your insurer to add an endorsement or switch to a short-term rental policy.
Kent FAQ
What insurance does Kent require for STRs?
Washington state law RCW 64.37 requires at least $1 million in liability insurance, either via the operator or the hosting platform.
Does my homeowner policy cover Airbnb guests?
Usually not. Homeowner policies typically exclude commercial or business use. A specialized STR policy or platform coverage is needed.
Compare other topics
See how Auburn and Kent compare on other ordinance categories.
Want to add a third city?
Use our full comparison tool to compare up to three cities.
Open Comparison Tool