Insurance Requirements: North Las Vegas vs Paradise
How do insurance requirements rules compare between North Las Vegas, NV and Paradise, NV?
Paradise has fewer restrictions than North Las Vegas.
North Las Vegas, NV
Clark County
North Las Vegas requires a minimum of 500,000 dollars in liability insurance for licensed short-term rentals. Proof must be provided at application and maintained continuously while the Conditional Use Permit is active.
View full North Las Vegas 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 | North Las Vegas | Paradise |
|---|---|---|
| Minimum Coverage | 500,000 dollars | - |
| Type | Liability | - |
| Proof | Certificate at application | - |
| Homeowners | Often excludes STR | Usually excludes STR |
| Authority | Ord. 3127, AB 363 | - |
| Minimum Limit | - | 500,000 dollars per occurrence |
| Coverage | - | Commercial general liability |
| Additional Insured | - | Clark County required |
| Workers Comp | - | Required if employees |
Highlighted rows indicate differences between cities.
North Las Vegas FAQ
How much STR insurance do I need in North Las Vegas?
A minimum of 500,000 dollars in liability coverage under Ordinance 3127. Proof must be filed with the city and maintained continuously while the permit is active.
Does my regular homeowners policy count?
Usually not. Standard homeowners policies often exclude commercial rental activity. Most hosts need a dedicated short-term rental endorsement or commercial liability policy.
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.
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