Insurance Requirements: Highland Park vs North Chicago

Does Highland Park require Airbnb hosts to carry liability insurance?

Highland Park's Section 150.430 short-term rental ordinance does not publish a numeric liability insurance minimum on the public rental registration page. Confirm the current contents of the registration packet with the Community Development Department (847-432-0808 or building@cityhpil.com), and note that Illinois state law does not separately impose an STR insurance minimum.

Will my homeowners insurance cover my Highland Park short-term rental?

Usually no. Standard Illinois homeowner policies typically exclude commercial or transient-rental activity, which is why most hosts add a short-term rental endorsement or buy a separate landlord/STR policy. Airbnb's Host Liability and Vrbo's Liability Coverage programs (up to $1,000,000 per occurrence on covered platforms) provide secondary protection but are not a substitute for a primary policy that contemplates STR use.

Does North Chicago require Airbnb hosts to carry liability insurance?

North Chicago's adopted ordinances do not set a numeric STR insurance minimum. The Department of Economic and Community Development may, however, require proof of liability coverage as part of the landlord license application under Title 5, Chapter 14, and the City Council may attach an insurance condition to any required Special Use Permit under Article 5 of the Zoning Ordinance.

Will my homeowners insurance cover my North Chicago short-term rental?

Usually no. Standard Illinois homeowner policies typically exclude commercial or transient-rental activity, which is why most hosts add a short-term rental endorsement or buy a separate landlord/STR policy. Airbnb's Host Liability and Vrbo's Liability Coverage programs (up to $1,000,000 per occurrence on covered platforms) provide secondary protection but are not a substitute for a primary policy that contemplates STR use.