Boise short-term rental operators must carry liability insurance under Title 11 Chapter 11-04 registration rules, even though Idaho preempts heavier STR licensing requirements statewide.
Boise registers short-term rentals through Title 11 Chapter 11-04, the post-preemption framework adopted after Idaho Code §67-6539B (2017) required cities to allow STRs as residential use. Registrants must show evidence of homeowner or commercial liability coverage adequate for transient guests. Platforms like Airbnb and Vrbo provide host protection programs that satisfy minimums in many cases, but operators using direct bookings need a standalone policy. The registration form asks for carrier, policy number, and limits, and the Planning and Development Services office may request proof annually at renewal.
Operating without proof of insurance can lead to registration denial, suspension, or revocation, plus civil penalties under Boise City Code Title 1 enforcement.
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See how Boise's insurance requirements rules stack up against other locations.
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