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🏠 Short-Term Rentals/Insurance Requirements

Ewa Gentry vs Mililani Town

How do insurance requirements rules compare between Ewa Gentry, HI and Mililani Town, HI?

Ewa Gentry and Mililani Town have similar restriction levels.

Ewa Gentry, HI

Honolulu County

Heavy Restrictions

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 β†’

Mililani Town, HI

Honolulu County

Heavy Restrictions

Mililani STR operators must maintain $1 million in commercial general liability coverage or an endorsed homeowner's policy, and HOAs often require additional coverage naming the association.

View full Mililani Town rules β†’

Key Facts Comparison

FactEwa GentryMililani Town
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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.

Mililani Town FAQ

Does HOA master insurance count?

No, the master policy does not satisfy the operator's individual $1M CGL obligation under Sec. 21-5.730.

How do I add HOA as insured?

Ask your insurer to add the Mililani HOA as an additional insured on the STR policy.

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