Showing ordinances that apply to Arbury Hills, IL
Arbury Hills is an unincorporated community (population 1,132) in Will County, Illinois. Because Arbury Hills is not an incorporated city, it does not have its own municipal code. Instead, Will County ordinances apply directly to properties here. The insurance requirements rules below are the ones that govern your area.
Will County municipalities permitting short-term rentals typically require $500,000 to $1,000,000 in commercial liability coverage. Standard homeowner policies exclude STR activity. Airbnb AirCover and Vrbo Liability Insurance often don't satisfy local proof-of-insurance requirements in Joliet and Frankfort.
Will County's larger STR-active municipalities — Joliet, Lockport, New Lenox, Frankfort, Mokena — require proof of commercial general liability insurance as part of STR registration. Minimum coverage ranges $500,000 to $1,000,000 per occurrence, with Joliet Chapter 38 requiring $1M and naming the city as additional insured. Plainfield conditional use permits typically require $1M CGL plus workers' comp if housekeepers are employed. Standard Illinois ISO HO-3 homeowner policies exclude 'business pursuits' including short-term rental — see Cincinnati Ins. Co. v. Ross (N.D. Ill.) and similar Illinois coverage disputes. Hosts must obtain either a commercial landlord/STR endorsement (often 15-25% premium increase) or a dedicated STR policy from carriers like Proper, Obie, or Slice. Airbnb's AirCover (formerly Host Guarantee + Host Protection Insurance) provides $1M liability secondary to host's primary policy, but many Will County municipalities do not accept platform-provided coverage as sole proof. Vrbo's Liability Insurance is similar. Illinois Department of Insurance licensed carriers required. Proof uploaded at annual permit renewal.
Operating without required insurance: permit denial or revocation; Joliet fines $500-$2,500. Gap in coverage discovered after incident: personal liability for guest injuries, property damage, wrongful death. Platform coverage rejected: 30-day correction window, then permit suspension.
See how Arbury Hills's insurance requirements rules stack up against other locations.
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