Insurance Requirements: Albuquerque vs Tijeras

Does AirCover satisfy Albuquerque's STR insurance rule?

Yes, if the AirCover Host Liability Insurance provides at least $500,000 per occurrence coverage. Hosts should still verify platform coverage excludes no material event types.

What proof of insurance does Albuquerque accept?

A current certificate of insurance (COI) naming the host or LLC with the property address and showing at least $500,000 in liability coverage.

What insurance does Tijeras require for a short-term rental?

Village of Tijeras Comprehensive Zoning Ordinance Sec. 26-862(5) requires the owner to 'maintain adequate short-term rental insurance coverage for the short-term rental unit,' and Sec. 26-864(4) requires the annual permit application to include 'proof of adequate insurance coverage.' The ordinance does not set a minimum dollar amount or name a required policy form, so 'adequate' is determined by the Village Clerk during permit review. Confirm what proof the Clerk currently accepts at (505) 281-1220 before applying.

Will my homeowners' policy satisfy the Tijeras STR insurance rule?

Probably not. Standard New Mexico homeowners' policies typically exclude or sharply limit commercial rental activity, and renting a dwelling for periods of thirty days or fewer (the Sec. 26-9 definition of a short-term rental) is a commercial use. Most operators carry a dedicated short-term rental policy or a commercial landlord policy. Airbnb's AirCover and Vrbo's Liability Insurance can supplement coverage, but the village still requires proof under Sec. 26-864(4). Verify acceptable forms with the Village Clerk at (505) 281-1220.

What happens if I do not provide proof of insurance to Tijeras?

Sec. 26-864 lists proof of adequate insurance as one of the four required application items, so the Village Clerk can decline to issue or renew the permit without it. If the clerk later finds an active STR is operating without coverage, Sec. 26-865 requires the village to send written notice by certified mail and gives the owner forty-five (45) days to correct the violation before penalties under Sec. 26-6 apply. Permits not renewed by June 30 expire entirely.