Insurance Requirements: Boulder City vs Paradise
How do insurance requirements rules compare between Boulder City, NV and Paradise, NV?
Paradise has fewer restrictions than Boulder City.
Boulder City, NV
Clark County
Boulder City does not require STR liability insurance because STRs are banned citywide. Long-term landlords should carry standard landlord or rental dwelling policies.
View full Boulder City rules →Paradise, NV
Clark County
Clark County requires licensed STRs to maintain liability insurance of at least 500,000 dollars per occurrence and name Clark County as additional insured. Airbnb Host Protection alone is not sufficient.
View full Paradise rules →Key Facts Comparison
| Fact | Boulder City | Paradise |
|---|---|---|
| STR Status | Prohibited — no insurance program | - |
| AB 363 Reference | Common 500k liability floor | - |
| Long-term Owners | Landlord dwelling policy recommended | - |
| Homeowners Policy | Verify rental coverage | - |
| Enforcement | Up to 500 dollars per day STR fine | - |
| Minimum Limit | - | 500,000 dollars per occurrence |
| Coverage | - | Commercial general liability |
| Additional Insured | - | Clark County required |
| Homeowners | - | Usually excludes STR |
| Workers Comp | - | Required if employees |
Highlighted rows indicate differences between cities.
Boulder City FAQ
Do I need short-term rental insurance in Boulder City?
No, because STRs are banned. Long-term landlords should carry a standard landlord policy and ensure their homeowners insurance allows rental use.
What insurance is typical in Nevada cities that allow STRs?
Under AB 363, many Nevada jurisdictions require at least 500,000 dollars of liability coverage per STR. Boulder City does not, since STRs are prohibited.
Paradise FAQ
Is Airbnb AirCover enough for my Clark County STR license?
No. Clark County requires a dedicated commercial liability policy of at least 500,000 dollars per occurrence naming Clark County as additional insured. Platform protection programs do not meet the additional-insured or direct-booking requirements.
Will my homeowners policy cover short-term rental claims?
Usually no. Standard homeowners policies exclude commercial rental activity. Get a dedicated STR policy or short-term rental endorsement from a carrier that specifically supports Airbnb and Vrbo use.
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