Insurance Requirements: Bellevue vs Seattle

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.

Does King County require short-term rental insurance?

No. Unincorporated King County does not set a mandatory insurance minimum for STRs. Hosts should still carry appropriate liability and property coverage through a private policy or STR endorsement since standard homeowner policies often exclude short-term rental activity.

Is Airbnb host insurance enough coverage for a King County STR?

Airbnb AirCover provides up to $1 million in host liability and damage protection for Airbnb bookings, but it is designed to supplement private insurance and only covers Airbnb bookings. Hosts should maintain a dedicated STR or landlord policy for full protection.