Kapolei vs Mililani Town
How do insurance requirements rules compare between Kapolei, HI and Mililani Town, HI?
Kapolei and Mililani Town have similar restriction levels.
Kapolei, HI
Honolulu County
Kapolei STR owners must carry at least $1,000,000 in commercial general liability insurance or equivalent homeowner's endorsement under ROH Sec. 21-5.730 to maintain registration.
View full Kapolei rules →Mililani Town, HI
Honolulu County
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 →Key Facts Comparison
| Fact | Kapolei | Mililani Town |
|---|---|---|
| - | - |
Highlighted rows indicate differences between cities.
Kapolei FAQ
Will a platform's host protection satisfy the ROH requirement?
No. DPP requires a separate policy or endorsement meeting the $1M liability threshold.
Do Kapolei condo owners still need individual coverage?
Yes. The building master policy does not replace the operator's own ROH-required coverage.
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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