Insurance Requirements: East Honolulu vs Ewa Gentry
How do insurance requirements rules compare between East Honolulu, HI and Ewa Gentry, HI?
East Honolulu and Ewa Gentry have similar restriction levels.
East Honolulu, HI
Honolulu County
East Honolulu short-term rental operators must carry at least $1 million in commercial general liability insurance, with proof submitted to DPP at registration.
View full East Honolulu rules →Ewa Gentry, HI
Honolulu County
Ewa Gentry STR registrants must provide proof of at least $1,000,000 in commercial general liability insurance or an equivalent homeowner's policy endorsement under ROH Sec. 21-5.730.
View full Ewa Gentry rules →Key Facts Comparison
| Fact | East Honolulu | Ewa Gentry |
|---|---|---|
| Minimum Coverage | $1,000,000 | - |
| Type | Commercial GL or equivalent | - |
| Code Section | ROH 21-5.730 | - |
| Topic | Insurance Requirements | - |
| - | - |
Highlighted rows indicate differences between cities.
East Honolulu FAQ
Does my homeowner policy count?
Only if it explicitly includes business liability coverage for short-term rental use. Many standard policies exclude transient commercial activity and require a rider.
What if coverage lapses mid-year?
Continuous coverage is required. A lapse can lead to registration suspension and liability exposure if an incident occurs during the uninsured period.
Ewa Gentry FAQ
Does my existing homeowner's policy cover STR use?
Often not. Check with your carrier and obtain a written business-liability endorsement before listing the unit.
Do I need coverage even if I use a platform's host protection?
Yes. Platform programs do not satisfy ROH's $1M policy requirement for registration.
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