Insurance Requirements: Bellevue vs Redmond
How do insurance requirements rules compare between Bellevue, WA and Redmond, WA?
Bellevue and Redmond have similar restriction levels.
Bellevue, WA
King County
Bellevue requires STR operators to carry at least $1,000,000 in liability insurance under LUC 20.20.800. Platform-provided host protection like Airbnb AirCover may satisfy the requirement.
View full Bellevue rules →Redmond, WA
King County
Redmond STR hosts must carry at least $1 million in liability insurance under RCW 64.37.030. Coverage can come from a personal STR policy or qualifying platform coverage like Airbnb AirCover.
View full Redmond rules →Key Facts Comparison
| Fact | Bellevue | Redmond |
|---|---|---|
| Minimum Coverage | $1,000,000 | $1,000,000 liability |
| Coverage Type | Liability per occurrence | - |
| Platform Coverage | Counts if limits match | - |
| Proof | May be required | - |
| Code | LUC 20.20.800 | - |
| State Law | - | RCW 64.37.030 |
| Platform Option | - | AirCover, Vrbo liability |
| Direct Bookings | - | STR commercial policy needed |
| Standard Homeowner | - | Typically excludes STR |
Highlighted rows indicate differences between cities.
Bellevue FAQ
Do I need special insurance for my Bellevue Airbnb?
Yes. LUC 20.20.800 requires at least $1,000,000 in liability coverage. Platform-provided coverage such as Airbnb AirCover typically satisfies the requirement if the limits match.
Does my homeowner policy cover short-term rental claims?
Standard homeowner policies usually exclude commercial short-term rental activity. You should confirm with your insurer and add a commercial rider or separate STR policy if needed.
Redmond FAQ
How much insurance do Redmond STR hosts need?
At least $1 million in liability coverage under RCW 64.37.030, either through a personal policy with STR rider or through qualifying platform coverage.
Is Airbnb's AirCover enough for Redmond?
AirCover provides $1M host liability per booking, which can satisfy RCW 64.37.030 for platform bookings. Direct bookings require a separate policy.
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