Insurance Requirements: Colorado Springs vs Manitou Springs
How do insurance requirements rules compare between Colorado Springs, CO and Manitou Springs, CO?
Colorado Springs and Manitou Springs have similar restriction levels.
Colorado Springs, CO
El Paso County
Colorado Springs requires short-term rental operators to carry a minimum of 1 million dollars in liability insurance covering commercial rental activity, with proof submitted annually at permit renewal. Policies must name the city as an additional insured for enforcement purposes and cover bodily injury, property damage, and liquor liability where applicable.
View full Colorado Springs rules →Manitou Springs, CO
El Paso County
Manitou Springs requires every short-term rental permit applicant to carry liability insurance, but the city has not published a specific dollar minimum in its public STR materials. Hosts should confirm the current required amount with the Planning Department at (719) 685-5481 before submitting a permit application; STR carriers commonly write $500,000 to $1,000,000 per-occurrence policies for Colorado mountain markets.
View full Manitou Springs rules →Key Facts Comparison
| Fact | Colorado Springs | Manitou Springs |
|---|---|---|
| Minimum Coverage | 1 million dollars per occurrence | - |
| City as Additional Insured | Required | - |
| Renewal | Annual certificate of insurance | - |
| Platform Coverage | Airbnb and Vrbo host protection qualifies | Supplemental only - does not satisfy city rule |
| Enforcement | Planning and Neighborhood Services | - |
| Insurance Required | - | Yes, with city STR permit application |
| City-Stated Minimum | - | Confirm with Planning Dept (719) 685-5481 |
| Common Carrier Range | - | $500K-$1M per occurrence (CO market) |
| Permit Term | - | One year, annual renewal |
| State Mandate | - | None - Colorado has no statewide STR insurance law |
| Homeowner Policy | - | Often excludes transient occupancy |
| Code Reference | - | Title 18 vacation rental provisions |
Highlighted rows indicate differences between cities.
Colorado Springs FAQ
Does my homeowner insurance cover my Colorado Springs Airbnb?
Usually not. Standard HO-3 policies exclude commercial rental activity. You need a commercial endorsement, a dedicated STR policy, or reliance on Airbnb or Vrbo host protection to meet the 1 million dollar minimum.
Can I use only Airbnb's host protection for my Colorado Springs STR permit?
Yes for Airbnb bookings. However, if you also list on Vrbo or take direct bookings, Airbnb's coverage does not extend to those stays. Most operators carry a dedicated policy to cover all booking channels.
Manitou Springs FAQ
How much liability insurance does Manitou Springs require for an STR?
The city's public STR page lists insurance among the permit application items but does not state a numeric minimum. Confirm the current required amount with the Planning Department at (719) 685-5481 before applying.
Does Airbnb AirCover satisfy Manitou Springs' STR insurance requirement?
Platform host-protection programs are supplemental and generally do not replace a primary commercial liability policy. Confirm acceptable coverage with the Planning Department before relying on platform programs.
Will my standard Colorado homeowners policy cover STR activity?
Often no. Standard HO-3 policies frequently exclude or limit transient paid occupancy. Ask your carrier in writing whether short-term rental use is covered, or buy a dedicated STR policy.
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