Waipahu short-term rental operators must carry at least $1 million commercial general liability insurance, with proof submitted to DPP at registration.
ROH Sec. 21-5.730, as amended by Bill 41 (Ord. 22-7), requires $1,000,000 commercial general liability coverage, or homeowner's coverage with business liability. Waipahu homeowners should verify that their policy explicitly permits short-term rental use, as many standard Hawaii homeowner policies exclude this activity, and plantation-era homes may face higher premiums due to age and wood construction. Continuous coverage is mandatory. Coverage protects against guest injury claims, property damage, and neighbor suits. Lapses can void the registration.
Lapsed coverage, policy that excludes STR activity, or submitting false insurance proof to DPP.
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Waipahu, HI
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