Insurance Requirements: Federal Way vs Redmond
How do insurance requirements rules compare between Federal Way, WA and Redmond, WA?
Federal Way and Redmond have similar restriction levels.
Federal Way, WA
King County
RCW 64.37.040 requires Federal Way STR operators to maintain at least 1 million dollars in liability insurance or rent only through a platform that provides equivalent coverage.
View full Federal Way rules →Redmond, WA
King County
Redmond STR hosts must carry at least $1 million in liability insurance under RCW 64.37.030. Coverage can come from a personal STR policy or qualifying platform coverage like Airbnb AirCover.
View full Redmond rules →Key Facts Comparison
| Fact | Federal Way | Redmond |
|---|---|---|
| Minimum Coverage | 1 million dollars per occurrence | $1,000,000 liability |
| State Law | RCW 64.37.040 | RCW 64.37.030 |
| Platform Coverage | Airbnb or VRBO may satisfy | - |
| Homeowner Policy | Typically insufficient alone | - |
| Proof | Required on request | - |
| Platform Option | - | AirCover, Vrbo liability |
| Direct Bookings | - | STR commercial policy needed |
| Standard Homeowner | - | Typically excludes STR |
Highlighted rows indicate differences between cities.
Federal Way FAQ
What insurance does Federal Way require for a short-term rental?
Washington state law RCW 64.37 requires at least 1 million dollars in liability coverage, either carried directly by the operator or provided by the hosting platform.
Does my homeowner policy cover STR guests?
Usually not. Most homeowner policies exclude commercial or transient rental use, so a specialized STR policy or platform coverage is needed.
Redmond FAQ
How much insurance do Redmond STR hosts need?
At least $1 million in liability coverage under RCW 64.37.030, either through a personal policy with STR rider or through qualifying platform coverage.
Is Airbnb's AirCover enough for Redmond?
AirCover provides $1M host liability per booking, which can satisfy RCW 64.37.030 for platform bookings. Direct bookings require a separate policy.
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