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Hawaii County, HI Short-Term Rentals: Insurance Requirements (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

County insurance minimum
None specified in Bill 108
Ad requirement
Show STVR Registration Number
NUC number
Include if issued
Applies to
All print and internet ads
Posting
Certificate on bedroom doors

Summary

Bill 108 does not impose a specific liability-insurance minimum on Hawai'i County STVRs. It does require that every print and internet advertisement, including listings with a rental service or real estate firm, display the STVR Registration Number (and NUC Number if issued).

These county ordinances apply to unincorporated areas of Hawaii County. Incorporated cities within the county may have their own rules that take precedence over county-level regulations.

Advertising. All print and internet advertising of STVRs, including listings with a rental service or real estate firm, shall include the STVR Registration Number. The Nonconforming Use Certificate Number shall also be included, if one has been issued.

View official code

Full Breakdown

The Hawai'i County STVR ordinance (18-114) sets no dedicated insurance-coverage mandate; standard homeowner/landlord liability coverage is a private matter, though condo regimes and lenders often require it. The ordinance does impose a strict advertising-transparency rule: "All print and internet advertising of STVRs, including listings with a rental service or real estate firm, shall include the STVR Registration Number. The Nonconforming Use Certificate Number shall also be included, if one has been issued." The registration certificate and reachable-person contact must also be posted on the back of the front door of all sleeping quarters, and a current NUC displayed conspicuously on the premises.

Violations & Fines

Advertising a STVR without its Registration Number (or required NUC Number) violates the STVR Standards and is a common basis for Planning Department enforcement and citation.

Frequently Asked Questions

Does Hawai'i County require STVR insurance?
Bill 108 does not set a specific insurance minimum. Carrying adequate liability coverage is a private decision, though condo associations and lenders frequently require it.
Must my listing show a permit number?
Yes. All print and internet advertising, including Airbnb/VRBO and realtor listings, must include your STVR Registration Number, plus the Nonconforming Use Certificate Number if one was issued.

Sources & Official References

Other rules in Hawaii County

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All Hawaii County rules

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