Ashwaubenon, WI Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Owner insurance proof
- Required at application and renewal
- Property Manager coverage minimum
- $300,000 per person
- Property Manager aggregate minimum
- $1,000,000
- Insurer must be
- Wisconsin OCI-authorized
- Filed with
- Community Development Department
Summary
Ashwaubenon requires every short-term rental owner to carry insurance on the rented home and prove it with the license application under Section 6-13-22(C)(16), while any licensed Property Manager must separately carry casualty and liability coverage of at least $300,000 per person and $1,000,000 aggregate under Section 6-13-27(11).
The Property Owner of the short-term rental shall have appropriate insurance for the home that is used for short-term rental and provide proof of insurance with the license application and renewal. ... All Property Managers shall carry casualty and liability insurance issued by an insurance company authorized to do business in this state by the Wisconsin Office of the Commissioner of Insurance, with liability limits of not less than $300,000 per individual and $1,000,000 aggregate;
Full Breakdown
Chapter 6, Article 13 of the Ashwaubenon Municipal Code layers two separate insurance duties onto a short-term rental. First, Section 6-13-22(C)(16) requires the Property Owner to carry appropriate insurance on the home used as a short-term rental and to provide proof of that insurance with both the initial license application and every renewal; Section 6-13-24(B)(3) repeats the requirement as a mandatory attachment to the license application packet, alongside the State Tourist Rooming House License, the State Lodging Establishment Inspection form, and the Room Tax Permit.
Second, anyone who acts as a Property Manager for a short-term rental, meaning any person other than the owner who is appointed to provide management services, must independently hold a Property Manager Permit under Section 6-13-26(A), and Section 6-13-27(11) sets the specific coverage floor for that permit: casualty and liability insurance issued by a company the Wisconsin Office of the Commissioner of Insurance has authorized to do business in the state, with liability limits of not less than $300,000 per individual and $1,000,000 in the aggregate.
Because Section 6-13-25(C) and (D) block the Community Development Department from renewing any short-term rental license without a current Inspection Report and without all fees paid, an owner or manager who lets insurance documentation lapse risks the same non-renewal exposure at the annual license cycle, since the Department checks the application file, insurance proof included, before issuing or renewing either the rental license or the Property Manager Permit.
Violations & Fines
Operating a short-term rental without the owner's required proof of insurance on file, or acting as a Property Manager without the $300,000/$1,000,000 casualty and liability coverage Section 6-13-27(11) demands, is a violation of Article 13's licensing standards and can block issuance or renewal of the license or Property Manager Permit, in addition to the general forfeiture set under Section 6-13-31 and Section 1-1-13.
Frequently Asked Questions
Does an Ashwaubenon short-term rental owner need insurance?
How much insurance must an Ashwaubenon short-term rental Property Manager carry?
What happens if short-term rental insurance documents lapse before renewal in Ashwaubenon?
Sources & Official References
Other rules in Ashwaubenon
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