Insurance Requirements: North Chicago vs Waukegan

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.

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.