Most Hennepin County cities require short-term rental hosts to carry $1 million liability insurance specifically endorsed for short-term rental use. Standard homeowner policies typically exclude commercial rental activity, so a separate STR rider is needed.
Minneapolis, Bloomington, Edina, and Plymouth require proof of $1 million STR-specific liability coverage at license application and annual renewal. Standard homeowner policies in Minnesota exclude business activity, including STR use, leaving uninsured hosts exposed to guest injury claims. Airbnb's Host Liability Insurance provides up to $1 million per occurrence and is accepted by most Hennepin County cities; VRBO offers similar Liability Insurance Program coverage. Hosts must keep policy declarations on file and provide them within 48 hours of city request.
Lack of insurance disqualifies STR license renewal and exposes hosts to personal liability for guest injuries, which can total hundreds of thousands of dollars per claim.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Bloomington, MN
Bloomington is heavily impacted by MSP International Airport. The Metropolitan Airports Commission (MAC) manages noise abatement. MN §473.192 requires acoust...
Bloomington, MN
Bloomington City Code §12.99 prohibits animal noise that can be heard outside the building or premises and occurs repeatedly over at least 14 minutes at an a...
Bloomington, MN
Bloomington enforces quiet hours 10 PM–7 AM weekdays and 9 PM–9 AM weekends. Power equipment including lawn mowers, leaf blowers, chainsaws, and snow blowers...
Bloomington, MN
Construction with power equipment allowed weekdays 7 AM–10 PM and Saturdays 9 AM–9 PM. No construction permitted on Sundays. Bloomington City Code §10.29.02 ...
Bloomington, MN
Bloomington requires vehicles parked on improved surfaces. Front lawn parking prohibited. Driveway modifications require permits.
Bloomington, MN
Bloomington prohibits many commercial vehicles on residential property including boom trucks, cargo trucks, dump trucks, semi-tractors, tow trucks, and mobil...
Side-by-side rule comparisons with other cities in Hennepin County.
See how Bloomington's insurance requirements rules stack up against other locations.
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