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.
Under RCW 64.37.030, every short-term rental host in Washington must maintain liability insurance of at least $1,000,000 to cover the short-term rental use. The law allows hosts to satisfy this requirement through their own homeowner or landlord policy with an STR rider, or through primary coverage provided by the booking platform. Airbnb provides AirCover host liability up to $1 million per booking, and Vrbo provides similar liability coverage. However, hosts must confirm in writing that the platform coverage is primary, not excess, and covers the specific property. Hosts taking direct bookings outside a platform must carry a commercial STR policy since standard homeowner policies exclude short-term rental activity. Failure to carry the required coverage is a violation of state law and can be grounds for Redmond to deny or revoke the business license. The insurance requirement is separate from any HOA, condominium, or master policy the property may be subject to.
Failure to carry required insurance: state law violation under RCW 64.37.030. Potential business license denial or revocation by Redmond.
Redmond, WA
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Redmond, WA
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Redmond, WA
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Redmond, WA
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Redmond, WA
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Redmond, WA
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