Under AO 2023-66 Anchorage STR operators must show proof of liability insurance as part of registration. Platform host protections may satisfy the requirement; standalone commercial policies are recommended for larger operations.
The 2023 Anchorage STR registration ordinance requires operators to demonstrate proof of liability insurance covering the short-term rental use of the property. Typical limits recommended in the industry are $500,000 to $1,000,000 in general liability coverage. Airbnb Host Liability Insurance (AirCover) and Vrbo Liability Insurance programs generally satisfy the minimum requirement for bookings made through those platforms, but coverage does not extend to direct bookings, long-term stays, or damage claims outside the platform process. Many hosts purchase a dedicated home-sharing policy or a commercial rider on their homeowner policy because standard homeowner policies often exclude short-term rental activity. Proof of insurance is submitted with the annual registration renewal. Failure to maintain coverage can result in suspension of registration.
Contact your local code enforcement office for specific penalty information.
Anchorage, AK
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Anchorage, AK
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Anchorage, AK
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Anchorage, AK
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Anchorage, AK
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Anchorage, AK
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