Washington law requires short-term rental operators to maintain primary liability insurance of at least $1 million or operate through a platform that provides equivalent coverage. This statewide requirement applies regardless of local rules.
Under RCW 64.37.020, every short-term rental operator must maintain primary liability insurance to cover the rental unit in the aggregate amount of not less than one million dollars ($1,000,000). Alternatively, operators may conduct rental activity through a short-term rental platform that provides equal or greater coverage. The coverage must be primary, meaning it pays before any other applicable insurance. This protects guests and third parties from injuries or damage during the rental period and applies to all hosts statewide.
Operating without required insurance violates RCW 64.37 and may result in civil penalties and inability to legally rent the property.
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