The proposed Arapahoe County STR license requires hosts to carry at least $1,000,000 in liability insurance specifically covering short-term rental activity. Platform-provided coverage (Airbnb AirCover, Vrbo Liability Insurance) may satisfy the requirement if proof is provided at application.
Under the proposed Arapahoe County STR ordinance, applicants must submit a certificate of insurance showing at least $1,000,000 per occurrence of liability coverage that specifically covers short-term rental or transient occupancy use. Standard HO-3 homeowners policies typically exclude business/commercial activity, so most hosts need either a business pursuits endorsement, a landlord (DP) policy with STR rider, or a dedicated short-term rental policy (Proper, Obie, Slice). Airbnb's Host Liability Insurance up to $1 million and Vrbo's Liability Insurance may satisfy the requirement when the booking platform provides written confirmation. Proof of insurance must be maintained and renewed annually with the STR license. Policies must name Arapahoe County as a certificate holder for notification of cancellation.
Operating without required insurance: license denial or immediate revocation. Lapse in coverage: 30 days to cure or license suspended. Claims exceeding coverage expose hosts to personal liability and county enforcement.
Arapahoe County, CO
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Arapahoe County, CO
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Arapahoe County, CO
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Arapahoe County, CO
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Arapahoe County, CO
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See how Arapahoe County's insurance requirements rules stack up against other locations.
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