Insurance Requirements: Des Plaines vs Schaumburg
How do insurance requirements rules compare between Des Plaines, IL and Schaumburg, IL?
Des Plaines and Schaumburg 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 →Schaumburg, IL
Cook County
Schaumburg does not have a dedicated short-term rental insurance ordinance, but property owners operating rentals are expected to carry adequate liability coverage. Standard homeowner's insurance often excludes commercial rental activity.
View full Schaumburg rules →Key Facts Comparison
| Fact | Des Plaines | Schaumburg |
|---|---|---|
| Minimum Liability | $1,000,000 per occurrence | - |
| Type | Commercial GL endorsed for STR | - |
| Filing | Certificate at registration & renewal | - |
| Platform Coverage | May qualify if documented | Supplemental, not replacement |
| Lapse Penalty | $500–$750/day | - |
| Village Mandate | - | No specific STR insurance required |
| Homeowner's Policy | - | May exclude rental activity |
| State Mandate | - | Illinois has none |
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.
Schaumburg FAQ
Does Schaumburg require insurance for short-term rentals?
Schaumburg does not currently mandate specific insurance for short-term rental operators, but hosts should carry adequate liability coverage as homeowner's policies often exclude rental activity.
Does Airbnb insurance cover me as a host?
Platform-provided host protection insurance is supplemental and may not cover all claims. Hosts should obtain their own rental insurance rider or commercial policy.
Does Illinois require short-term rental insurance?
No. Illinois does not have a statewide short-term rental insurance mandate. Requirements vary by municipality.
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