Tacoma short-term rental operators must carry adequate liability coverage, either through a commercial host policy or a qualifying platform-provided policy, to qualify for registration under TMC 6B.130.
Tacoma Municipal Code 6B.130 conditions short-term rental registration on proof of liability insurance covering guest bodily injury and property damage. Many hosts rely on host-protection coverage offered by booking platforms, which is generally accepted if it meets minimum limits comparable to a commercial general liability policy. Standard homeowner policies typically exclude commercial activity, so hosts should review or upgrade their policy. Proof of coverage is requested at registration and may be re-requested on renewal or after a claim.
Operating without qualifying coverage can lead to denial or revocation of the STR registration and civil penalties under the Tacoma business license code.
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Tacoma, WA
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