Insurance Requirements: Highland Park vs Waukegan

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 Waukegan require Airbnb hosts to carry liability insurance?

Waukegan's adopted ordinances do not set a numeric STR insurance minimum. The Business Licensing Department may, however, require proof of liability coverage as part of the business license application, and the Planning and Zoning Commission may attach an insurance condition to any required Conditional Use Permit under the Unified Development Ordinance.

Will my homeowners insurance cover my Waukegan 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.