Insurance Requirements: Fitchburg vs Sun Prairie
How do insurance requirements rules compare between Fitchburg, WI and Sun Prairie, WI?
Fitchburg and Sun Prairie have similar restriction levels.
Fitchburg, WI
Dane County
Dane County and its municipalities (Madison, Sun Prairie, Fitchburg, Middleton, Verona, Stoughton) do not mandate a specific STR liability minimum, but Wisconsin tourist rooming house licensing under Wis. Stat. §97.605 and Madison General Ordinances (MGO) Ch. 32 expect hosts to carry adequate coverage. Standard Wisconsin homeowner policies typically exclude commercial rental activity.
View full Fitchburg rules →Sun Prairie, WI
Dane County
Dane County and its municipalities (Madison, Sun Prairie, Fitchburg, Middleton, Verona, Stoughton) do not mandate a specific STR liability minimum, but Wisconsin tourist rooming house licensing under Wis. Stat. §97.605 and Madison General Ordinances (MGO) Ch. 32 expect hosts to carry adequate coverage. Standard Wisconsin homeowner policies typically exclude commercial rental activity.
View full Sun Prairie rules →Key Facts Comparison
| Fact | Fitchburg | Sun Prairie |
|---|---|---|
| State Framework | Wis. Stat. §97.605 + ATCP 72 | Wis. Stat. §97.605 + ATCP 72 |
| Typical Coverage | $500K to $1M recommended | $500K to $1M recommended |
| Homeowner HO-3 | Excludes STR business use | Excludes STR business use |
| Platform Insurance | Excess only, not primary | Excess only, not primary |
| Madison Rule | MGO Ch. 32 proof required | MGO Ch. 32 proof required |
Highlighted rows indicate differences between cities.
Fitchburg FAQ
Does Airbnb's AirCover satisfy Dane County insurance requirements?
No. AirCover is secondary coverage. Hosts should carry a primary STR or commercial dwelling policy. Madison's Tourist Rooming House application (MGO Ch. 32) requires proof of primary liability insurance at issuance.
Is my homeowner's policy enough for a Madison STR?
Generally no. Standard HO-3 policies in Wisconsin exclude business pursuits and rentals under 30 days. Contact your carrier for a short-term rental endorsement or a separate DP-3 landlord policy.
Sun Prairie FAQ
Does Airbnb's AirCover satisfy Dane County insurance requirements?
No. AirCover is secondary coverage. Hosts should carry a primary STR or commercial dwelling policy. Madison's Tourist Rooming House application (MGO Ch. 32) requires proof of primary liability insurance at issuance.
Is my homeowner's policy enough for a Madison STR?
Generally no. Standard HO-3 policies in Wisconsin exclude business pursuits and rentals under 30 days. Contact your carrier for a short-term rental endorsement or a separate DP-3 landlord policy.
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