Kent vs Kirkland
How do insurance requirements rules compare between Kent, WA and Kirkland, WA?
Kent and Kirkland have similar restriction levels.
Kent, WA
King County
Washington RCW 64.37 requires Kent short-term rental operators to maintain at least $1 million in liability insurance or list through a platform that provides equivalent coverage. Proof must be available upon request.
View full Kent rules →Kirkland, WA
King County
RCW 64.37.050 requires all Washington short-term rental operators to carry at least 1 million dollars in liability insurance or use a platform that provides equivalent coverage for guests.
View full Kirkland rules →Key Facts Comparison
| Fact | Kent | Kirkland |
|---|---|---|
| Minimum Coverage | $1 million per occurrence | - |
| State Law | RCW 64.37.040 | - |
| Platform Coverage | Airbnb and VRBO may satisfy | - |
| Homeowner Policy | Typically insufficient alone | - |
| Proof | Required on request | - |
| State minimum | - | 1 million dollars liability |
| Source law | - | RCW 64.37.050 |
| Platform option | - | Airbnb and VRBO qualify |
| Homeowner policy | - | Usually excludes STR |
| Proof required | - | On license renewal |
Highlighted rows indicate differences between cities.
Kent FAQ
What insurance does Kent require for STRs?
Washington state law RCW 64.37 requires at least $1 million in liability insurance, either via the operator or the hosting platform.
Does my homeowner policy cover Airbnb guests?
Usually not. Homeowner policies typically exclude commercial or business use. A specialized STR policy or platform coverage is needed.
Kirkland FAQ
Does Airbnb coverage satisfy the Washington requirement?
Yes, the Airbnb Host Liability program provides the 1 million dollar minimum, but the coverage only applies to bookings made through Airbnb and not to off-platform or direct bookings.
Does my homeowner policy cover an STR?
Most standard homeowner policies exclude income-producing lodging use; you should purchase an STR endorsement or separate commercial policy to avoid coverage gaps.
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