Ewa Gentry vs Urban Honolulu
How do insurance requirements rules compare between Ewa Gentry, HI and Urban Honolulu, HI?
Ewa Gentry and Urban Honolulu 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 →Urban Honolulu, HI
Honolulu County
Urban Honolulu STR operators must carry at least $1,000,000 in commercial general liability insurance under ROH Sec. 21-5.730, submitted with each annual registration.
View full Urban Honolulu rules →Key Facts Comparison
| Fact | Ewa Gentry | Urban Honolulu |
|---|---|---|
| - | - | |
| Code Section | - | ROH Sec. 21-5.730 |
| Minimum Coverage | - | $1,000,000 CGL |
| Alternative | - | HO policy with business rider |
| Proof | - | Required annually |
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.
Urban Honolulu FAQ
Does my Waikiki condo's master policy count?
No. AOAO master policies cover common elements, not individual unit STR liability. Operators must maintain their own $1 million CGL or endorsed HO policy.
Is Airbnb Host Protection enough?
No. Host-guarantee or platform coverage may supplement but does not replace the required $1 million policy naming the operator under ROH Sec. 21-5.730.
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