Insurance Requirements: Des Plaines vs Evanston
How do insurance requirements rules compare between Des Plaines, IL and Evanston, IL?
Des Plaines and Evanston have similar restriction levels.
Des Plaines, IL
Cook County
Des Plaines requires vacation rental operators to maintain general liability insurance of at least $1,000,000 per occurrence covering use of the property as a short-term rental. Proof of coverage must be filed with the registration application and kept current.
View full Des Plaines rules →Evanston, IL
Cook County
Evanston requires short-term rental operators to maintain liability insurance coverage as a condition of licensure. Hosts must carry adequate insurance to cover guest injuries and property damage during rental periods.
View full Evanston rules →Key Facts Comparison
| Fact | Des Plaines | Evanston |
|---|---|---|
| Minimum Liability | $1,000,000 per occurrence | - |
| Type | Commercial GL endorsed for STR | - |
| Filing | Certificate at registration & renewal | - |
| Platform Coverage | May qualify if documented | - |
| Lapse Penalty | $500–$750/day | - |
| Insurance Required | - | Yes, as condition of license |
| Coverage | - | Bodily injury and property damage |
| Standard Policies | - | May not cover STR activity |
| Proof Required | - | With license application |
Highlighted rows indicate differences between cities.
Des Plaines FAQ
How much insurance do I need for a Des Plaines vacation rental?
At least $1,000,000 per occurrence in commercial general liability coverage specifically endorsed for short-term rental use, with a certificate filed with the City.
Does my homeowners policy cover Airbnb in Des Plaines?
Standard homeowners insurance typically excludes short-term rental activity. You generally need a dedicated commercial or hybrid STR policy.
Does Airbnb's AirCover satisfy Des Plaines' insurance requirement?
Platform coverage may qualify if it meets the $1M minimum and is specifically documented in a certificate filed with the City. Confirm in writing with the platform before relying on it.
Evanston FAQ
Do I need insurance for my Evanston short-term rental?
Yes. Evanston requires liability insurance as a condition of the short-term rental license. Standard homeowner's policies may not cover rental activity, so a supplemental rider may be needed.
Does Airbnb insurance satisfy Evanston's requirements?
Platform-provided insurance may supplement but does not necessarily meet the city's minimum requirements. Check with Community Development at (847) 448-4311 for specific coverage levels.
What happens if my insurance lapses on my Evanston rental?
Lapsed insurance may result in suspension of your short-term rental license. You must maintain continuous coverage throughout the license period.
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