Insurance Requirements: Redmond vs Renton
How do insurance requirements rules compare between Redmond, WA and Renton, WA?
Renton has fewer restrictions than Redmond.
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 →Renton, WA
King County
Renton RMC 4-4-055 sets no specific STR insurance minimum, but operators should carry commercial liability since standard homeowners policies often exclude rental activity. Airbnb AirCover is secondary coverage.
View full Renton rules →Key Facts Comparison
| Fact | Redmond | Renton |
|---|---|---|
| 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 | - |
| Code Requirement | - | No numeric minimum in RMC 4-4-055 |
| Recommended Limit | - | 1 million dollars commercial liability |
| Airbnb AirCover | - | Up to 1 million dollars per stay (secondary) |
| Homeowner Risk | - | Standard policies often exclude STR |
| HOA | - | Associations often require their own minimums |
Highlighted rows indicate differences between cities.
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.
Renton FAQ
Does homeowners insurance cover Renton STR guests?
Usually no. Most standard policies exclude commercial business activity, so short-term rental incidents can be denied. A commercial or STR-specific policy is typically needed.
Does Renton require proof of insurance to license an STR?
No. The city business license under RMC 4-4-055 does not require a certificate of insurance, but lenders and HOAs often do.
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