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Clark County, NV Short-Term Rentals: Insurance Requirements (2026)

Some Restrictions

Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

Minimum coverage: $500,000 general liability per occurrence
Alternate coverage: Excess or umbrella policy allowed
Certificate must state: Unit used for transient lodging
Required at: Application, every renewal, and ongoing
Citation: Clark County Code § 7.100.170(c)

Summary

Clark County requires short-term rental licensees to carry general liability insurance of at least $500,000 per occurrence, with the certificate confirming the unit's use for transient lodging.

City-specific rules exist: Las Vegas, and North Las Vegas have their own insurance requirements rules that differ from Clark County's county-level regulations. If you live in one of those cities, check the city-specific page instead.

Insurance. Each licensee must maintain general liability insurance coverage with limits of not less than five hundred thousand dollars per occurrence. An excess liability policy or umbrella liability policy may be used in addition to the general liability policy to meet the minimum liability requirements. The certificate of insurance must identify that the residential unit is used for transient lodging.

Source: Clark County STR Ordinance Title 7 Chapter 7.100View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 147).

Full Breakdown

Under Clark County Code § 7.100.170(c), every licensed short-term rental operator in the unincorporated county, including the Strip's Paradise and Winchester townships, must maintain general liability insurance with limits of at least $500,000 per occurrence for the life of the license, and may layer an umbrella or excess policy on top to meet that floor. The certificate of insurance must state the property is used for transient lodging. Applicants submit the same $500,000 proof under § 7.100.090(c)(3) before initial licensure, and renewals under § 7.100.130(a) require an updated certificate.

Violations & Fines

Failing to maintain the required $500,000 coverage is a chapter violation: renewal can be denied under § 7.100.130, and the department may suspend or revoke the license under § 7.100.210, in addition to administrative citations up to $10,000.

Frequently Asked Questions

How much liability insurance does a Clark County short-term rental need?

At least $500,000 per occurrence in general liability coverage, per Clark County Code § 7.100.170(c). Licensees can pair a base policy with an umbrella or excess policy to reach that limit.

Does the rule apply on the Las Vegas Strip?

Yes. Much of the Strip sits in unincorporated Paradise and Winchester townships, so the same $500,000 county insurance requirement applies there as anywhere else in unincorporated Clark County.

Sources & Official References

[1]Clark County Code § 7.100.170 - Duties

Other rules in Clark County

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All Clark County rules

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