Insurance Requirements: Aurora vs Centennial
How do insurance requirements rules compare between Aurora, CO and Centennial, CO?
Centennial has fewer restrictions than Aurora.
Aurora, CO
Arapahoe County
Aurora STR operators must carry adequate liability coverage, typically at least $1 million per occurrence, and may need to disclose STR use to their homeowner's insurer.
View full Aurora rules →Centennial, CO
Arapahoe County
Centennial's STR ordinance requires hosts to maintain general liability insurance for the rental property. The application process under Ord. 2021-O-14 calls for documentation as part of the licensing package. Standard homeowners policies typically exclude commercial STR activity, so a dedicated STR endorsement or commercial policy is generally needed.
View full Centennial rules →Key Facts Comparison
| Fact | Aurora | Centennial |
|---|---|---|
| Minimum coverage | At least $1 million liability typical | - |
| Homeowner's policy | Usually excludes STR activity | - |
| Platform programs | AirCover or Vrbo can qualify | - |
| Certificate | May be required at application | - |
| Lapse | Grounds for license suspension | - |
| Required Coverage | - | General liability insurance |
| Authority | - | Ord. 2021-O-14, Ch. 6 Art. 9 |
| Homeowners Policy | - | Typically excludes STR use |
| Verify Amount | - | Confirm with City Clerk |
Highlighted rows indicate differences between cities.
Aurora FAQ
Does my homeowners policy cover my Aurora Airbnb?
Usually not for regular rental activity. You need a commercial rider, dedicated STR policy, or qualifying platform coverage.
Is Airbnb AirCover enough in Aurora?
It can satisfy the city's liability minimum if coverage documentation is provided, but many operators layer a dedicated STR policy for gaps.
Centennial FAQ
Does Centennial require STR insurance?
Yes. Centennial's STR program requires hosts to maintain general liability insurance covering the rental activity as part of the licensing requirements under Ord. 2021-O-14.
Will my homeowners policy cover an Airbnb in Centennial?
Usually not. Standard homeowners policies typically exclude commercial activity. Most hosts need an STR endorsement, a landlord policy with STR coverage, or a commercial policy.
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