Insurance Requirements: Kapolei vs Urban Honolulu
How do insurance requirements rules compare between Kapolei, HI and Urban Honolulu, HI?
Kapolei and Urban Honolulu 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 →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 | Kapolei | 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.
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.
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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