Arlington Heights does not impose specific insurance requirements on short-term rental operators through its municipal code. There is no village ordinance requiring hosts to carry a minimum amount of liability insurance for short-term rental activity. However, standard homeowner's insurance policies typically exclude commercial lodging use, and hosts are strongly advised to obtain appropriate coverage.
The Arlington Heights Municipal Code does not contain insurance mandates specific to short-term rental operations. Unlike some municipalities that require hosts to carry $500,000 or $1,000,000 in liability coverage, Arlington Heights has no such requirement. However, this does not mean insurance is unnecessary. Most standard homeowner's insurance policies exclude coverage for injuries or damages that occur during commercial lodging activities. Hosts operating through Airbnb receive platform-provided liability coverage (AirCover), but this may have significant exclusions. VRBO and other platforms have varying coverage programs. Hosts should review their homeowner's policy and consider adding a rider or obtaining a separate short-term rental insurance policy. Illinois state law does not mandate short-term rental insurance at the state level.
There are no village penalties for lack of short-term rental insurance since no insurance mandate exists. However, operating without adequate insurance exposes the property owner to personal liability for guest injuries, property damage, and other claims that standard homeowner's insurance may not cover.
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