Insurance Requirements: Kent vs Redmond
How do insurance requirements rules compare between Kent, WA and Redmond, WA?
Kent and Redmond 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 →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 | Kent | Redmond |
|---|---|---|
| Minimum Coverage | $1 million per occurrence | $1,000,000 liability |
| State Law | RCW 64.37.040 | RCW 64.37.030 |
| Platform Coverage | Airbnb and 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.
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.
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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