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Albuquerque, NM Short-Term Rentals: Insurance Requirements (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified June 2026

Key Facts

Code Section
ROA 1994 Sec. 13-19-5(C)
Minimum Coverage
$250,000 per unit
Covers
Damage to guests and to third parties/neighbors
Proof Required
At permit application (13-19-6(A)(5))

Summary

Every Albuquerque STR operator must carry short-term rental insurance of at least $250,000 per unit, covering damage to guests and damage caused by guests or the operator to others, including neighbors.

Each STRO shall: ... C. Maintain short term rental insurance coverage for each STRU in the minimum amount of Two Hundred Fifty Thousand Dollars ($250,000) per STRU to insure against damages to guest(s) caused by the STRO, and to insure against damages caused by STRO guest(s) or the STRO when such damages are incurred by other persons including, but not limited to, neighbors;

Source: Albuquerque Short-Term Rental PermitView official code

Full Breakdown

Section 13-19-5(C) of the Albuquerque Short Term Rental Ordinance requires each Short Term Rental Operator to maintain short term rental insurance coverage for each unit in a minimum amount of Two Hundred Fifty Thousand Dollars ($250,000) per unit. The coverage must insure against damages to guests caused by the operator, and against damages caused by the operator's guests or by the operator when those damages are incurred by other persons, including but not limited to neighbors. Proof of this insurance is a required attachment to the STR permit application under 13-19-6(A)(5). Operators must also display the permit inside each unit, include the permit number on all marketing materials, and post the city-provided Good Neighbor Agreement.

Violations & Fines

Failure to maintain the required $250,000 insurance is a permit-application defect and an ongoing violation of 13-19-5(C), enforceable under 13-19-8 with notice, a 30-day cure period, Sec. 1-1-99 penalties, $500-per-day civil assessments, and permit revocation.

Frequently Asked Questions

How much insurance does an Albuquerque STR need?
At least $250,000 of short-term rental insurance per unit under Section 13-19-5(C), covering damage to guests and damage caused by guests or the operator to third parties such as neighbors.
Do I have to prove I have insurance?
Yes. Proof of insurance meeting the 13-19-5(C) minimum is a required part of the STR permit application under 13-19-6(A)(5).

Sources & Official References

Other rules in Albuquerque

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All Albuquerque rules

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