Insurance Requirements: Ewa Gentry vs Pearl City
How do insurance requirements rules compare between Ewa Gentry, HI and Pearl City, HI?
Ewa Gentry and Pearl City 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 →Pearl City, HI
Honolulu County
Pearl City short-term rental operators must carry at least $1 million in commercial general liability insurance and show proof to DPP at registration.
View full Pearl City rules →Key Facts Comparison
| Fact | Ewa Gentry | Pearl City |
|---|---|---|
| - | - | |
| 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.
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.
Pearl City FAQ
Does USAA homeowner cover STRs?
Standard USAA homeowner policies typically exclude short-term rental activity. Contact your carrier to add a rider or purchase separate commercial coverage before registering.
Is renter coverage enough?
No. The operator, not the guest, must carry the $1 million policy. Guest travel insurance does not satisfy ROH Sec. 21-5.730 requirements.
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