Insurance Requirements: Henderson vs Paradise
How do insurance requirements rules compare between Henderson, NV and Paradise, NV?
Paradise has fewer restrictions than Henderson.
Henderson, NV
Clark County
Henderson requires STR operators to carry at least 500,000 dollars in liability insurance. Platform-provided host protection may satisfy part of the requirement.
View full Henderson 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 | Henderson | Paradise |
|---|---|---|
| Minimum Liability | 500,000 dollars per occurrence | - |
| Proof Required | At permit application and renewal | - |
| Airbnb AirCover | 1M dollars host liability, generally accepted | - |
| Homeowner Policy | Usually excludes STR activity | - |
| HOA Master Policy | Does not cover STR commercial risk | - |
| 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.
Henderson FAQ
Does Airbnb AirCover meet the Henderson requirement?
For Airbnb-only bookings, the 1M AirCover policy generally satisfies the city minimum. Hosts listing on multiple platforms should carry standalone coverage.
Can I use my homeowner policy for STR insurance?
Generally no. Standard HO-3 policies exclude short-term rental activity. A commercial endorsement or dedicated STR policy is required.
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.
Compare other topics
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