Kirkland vs Redmond
How do insurance requirements rules compare between Kirkland, WA and Redmond, WA?
Kirkland and Redmond have similar restriction levels.
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 →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 | Kirkland | Redmond |
|---|---|---|
| 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 | - |
| Minimum Coverage | - | $1,000,000 liability |
| State Law | - | RCW 64.37.030 |
| Platform Option | - | AirCover, Vrbo liability |
| Direct Bookings | - | STR commercial policy needed |
| Standard Homeowner | - | Typically excludes STR |
Highlighted rows indicate differences between cities.
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.
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.
Compare other topics
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