RCW 64.37.040 requires Federal Way STR operators to maintain at least 1 million dollars in liability insurance or rent only through a platform that provides equivalent coverage.
Under RCW 64.37.040 every short-term rental operator in Washington including Federal Way must maintain primary liability insurance of no less than 1 million dollars per occurrence, or conduct each rental through a hosting platform that provides equivalent coverage. Airbnb AirCover and VRBO Liability Insurance typically meet this standard when bookings run through those platforms. Operators using direct booking channels or off-platform payments need to purchase a standalone commercial short-term rental insurance policy because most standard homeowner policies exclude rental or business use. Proof of coverage must be available on request to city or state officials, and operators should keep a copy of the policy with their business records. Condominium and HOA governing documents can impose additional insurance requirements beyond state law.
Operating without required insurance violates RCW 64.37 and can result in fines, loss of Federal Way business endorsement, platform delisting, and personal liability for guest injuries not covered by a valid policy.
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