Mililani STR operators must maintain $1 million in commercial general liability coverage or an endorsed homeowner's policy, and HOAs often require additional coverage naming the association.
ROH Sec. 21-5.730 requires $1,000,000 CGL or equivalent endorsed HO insurance with proof filed at registration. Mililani Town Association and subdivision HOAs frequently impose additional insurance requirements, sometimes requiring the HOA be named as additional insured. Standard HO policies typically exclude STR activity, so operators need an STR rider. Townhome and condo-style units in Mililani may have master HOA coverage but that does not replace the operator's required liability policy. Lapses void both city registration and HOA-approved status.
Operating without the required insurance voids STR registration and can expose owners to uninsured liability and HOA penalties.
See how other cities in Honolulu County handle insurance requirements.
See how Mililani Town's insurance requirements rules stack up against other locations.
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