Pasco, WA Short-Term Rentals: Insurance Requirements (2026)

The Pasco Municipal Code does not impose a short-term rental liability-insurance mandate, because the city does not allow rentals of fewer than 30 days and therefore has no STR use to insure. At the state level, Washington does set an insurance floor: under RCW Chapter 64.37, a short-term rental operator must maintain primary liability insurance covering the short-term rental in an aggregate amount of not less than one million dollars, or conduct each transaction through a short-term rental platform that provides equal or greater coverage (RCW 64.37.050). The same chapter defines a short-term rental as a lodging use - not a hotel, motel or bed and breakfast - in which a dwelling unit or portion of it is offered to a guest for a fee for fewer than 30 consecutive nights, and it requires platforms to register with the Department of Revenue. However, RCW 64.37 governs how lawful short-term rentals must operate; it does not authorize a sub-30-day rental in a jurisdiction that prohibits it, so its $1 million insurance rule does not create a Pasco STR pathway. When Pasco staff proposed an STR ordinance in 2025-2026, insurance was listed among the conditions a permitted operator would have to meet, but as reported that ordinance had not been adopted. This entry does not assert a Pasco insurance figure, because the city's code sets none; the only specific amount in play is the state's $1 million standard for lawful STRs.