Albuquerque requires every permitted short-term rental to carry at least $500,000 in liability insurance or use a platform with equivalent host protection under ROA 1994 Chapter 13-20.
ROA Chapter 13-20 requires proof of liability insurance coverage of at least $500,000 per occurrence for each permitted STR. Coverage can be satisfied through a standalone commercial or homeowner endorsement policy, a dedicated short-term rental policy, or a platform-provided host liability program such as AirCover (Airbnb) or the VRBO Liability Insurance program, provided coverage limits meet the $500,000 threshold. The certificate of insurance must name the host (or LLC) and list the property address. Lapses in coverage can trigger permit suspension. High-elevation weather hazards (hail, wildfire smoke, freeze damage) mean many insurers quote Albuquerque STRs above the national average.
Operating without required insurance is a permit violation carrying a $500 fine and automatic 30-day permit suspension until compliant proof is provided.
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