Blaine, MN Short-Term Rentals: Insurance Requirements (2026)

Blaine does not require short-term rental operators to carry a specified amount of liability insurance as a condition of licensing. The city's rental program, governed by Chapter 18, Article VIII, focuses on annual licensing, property-maintenance standards, and the interior/exterior inspection cycle; it does not publish a minimum liability-coverage figure or a certificate-of-insurance filing requirement for ordinary rental dwellings. Because Blaine has no dedicated short-term rental ordinance, there is likewise no STR-specific insurance clause requiring, for example, a $500,000 or $1,000,000 policy or naming the city as additional insured. That said, insurance is still a serious practical concern: standard homeowner policies often exclude or limit commercial short-term rental activity, so hosts typically need a landlord policy, a dedicated short-term rental policy, or a rider, and platforms such as Airbnb and VRBO provide their own host protection programs that are not a substitute for a host's own coverage. Operators should consult their insurer to confirm short-term rental use is covered and consider liability limits appropriate to guest occupancy. If Blaine adopts STR-specific regulations in the future, a mandatory insurance minimum could be added, so hosts should periodically check with Housing Services. As of this research, no Blaine ordinance sets a required insurance amount for short-term rentals; any claim of a specific mandated limit would not be supported by the city code.