Insurance Requirements: Las Vegas vs Paradise

How much liability insurance do I need for a Las Vegas STR?

LVMC Chapter 6.75 requires a minimum of $500,000 per occurrence in liability insurance covering the short-term rental use of the property. Coverage must be in force continuously, and a current Certificate of Insurance must be submitted to the city at application and at every annual renewal.

Does my homeowner's policy satisfy the Las Vegas STR insurance requirement?

Usually not. Standard homeowner's policies typically exclude short-term commercial rental use. Most Las Vegas STR operators carry a dedicated short-term rental policy or rely on a host-protection program from a platform such as Airbnb that provides at least $500,000 per occurrence of primary liability coverage covering the rental address. Verify scope and exclusions before relying on a platform endorsement.

What happens if my STR insurance lapses?

Lapse, cancellation, or material reduction below the $500,000 per-occurrence threshold is grounds for license suspension under LVMC Chapter 6.75 and exposes the operator to the city's $1,000 to $10,000 per-violation civil penalty schedule. Operating after a lapse is treated the same as operating without a license, with per-day fines of $500 (first offense) and $1,000 (repeat within twelve months).

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.