Spokane does not mandate a specific STR liability insurance amount but WA state law and standard practice strongly recommend 1 million dollars general liability. Airbnb Host Liability Insurance and AirCover provide up to 1 million per booking. Notify your homeowner insurer of STR use.
Spokane Municipal Code does not set a minimum insurance amount for STR operation, unlike some WA cities that require 1 million dollar liability coverage. However, operators should carry commercial general liability insurance because standard homeowner policies typically exclude or limit coverage for short-term rental activity. Airbnb provides Host Liability Insurance up to 1 million dollars per booking covering third-party bodily injury and property damage, plus AirCover damage protection up to 3 million. Vrbo offers similar host protection. Operators renting directly should obtain a commercial landlord or STR-specific policy. Failure to disclose STR use to your homeowner insurer can result in claim denial. WA Insurance Commissioner recommends reviewing policies annually.
Contact your local code enforcement office for specific penalty information.
Spokane, WA
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Spokane, WA
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Spokane, WA
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Spokane, WA
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Spokane, WA
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Spokane, WA
Spokane adopts the International Fire Code under SMC Chapter 17F.080. IFC 308.1.4 prohibits open-flame cooking on combustible balconies or within 10 feet of ...
See how Spokane's insurance requirements rules stack up against other locations.
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