Blue Earth County, MN Short-Term Rentals: Insurance Requirements (2026)

Sec. 24-337(a) of the Blue Earth County Code sets the full application package needed for a short-term rental interim use permit, and subsection (a)(3)(e) makes proof of liability insurance one of the required items, alongside the application fee, a building inspection and certificate of occupancy from a Minnesota Certified Building Official, a business plan covering quiet hours, maximum occupancy, parking, pet policy and refuse disposal, and an SSTS commercial operating permit where appropriate. The insurance requirement sits inside a permit package that is otherwise heavily documentation-driven: applicants also submit a site plan detailing property lines, the rental dwelling, accessory structures, parking area square footage, shoreland recreational features such as docks and boat houses, well and septic locations, and floor plans showing bedroom counts and dimensions.

Because the permit is an interim use permit rather than a by-right registration, the planning agency reviews the complete file, including the insurance proof, before an interim use permit issues, and the same file underpins later enforcement: Sec. 24-337(f) allows the planning agency to review permit compliance on receipt of a substantiated complaint, and noncompliance with any condition of approval, including the documentation required at application, can trigger that review process.