Insurance Requirements: Ewa Gentry vs Kailua
How do insurance requirements rules compare between Ewa Gentry, HI and Kailua, HI?
Ewa Gentry and Kailua have similar restriction levels.
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 →Kailua, HI
Honolulu County
Every Kailua B&B or TVU operator must carry at least $1 million in commercial general liability insurance or equivalent homeowner's coverage with business liability, and must submit proof at registration.
View full Kailua rules →Key Facts Comparison
| Fact | Ewa Gentry | Kailua |
|---|---|---|
| - | - |
Highlighted rows indicate differences between cities.
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.
Kailua FAQ
Does Airbnb's AirCover meet the rule?
No, platform protection alone does not satisfy the Sec. 21-5.730 $1M CGL requirement on the owner.
Will my homeowner's policy work?
Only if it includes a short-term rental business liability endorsement with at least $1M limits.
Compare other topics
See how Ewa Gentry and Kailua 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