Broken Arrow, OK Short-Term Rentals: Insurance Requirements (2026)

Broken Arrow's vacation rental code, adopted by City Council and effective October 21, conditions issuance of an STR license on the operator submitting proof of insurance covering the rental together with the application, floor plan, owner contact, off-street parking layout, and bedroom count. The ordinance text describes insurance as a required submission but does not publish a fixed dollar minimum on the public-facing portal, leaving the limit to be set administratively by the Planning and Community Development Department. Type 2 and Type 3 short-term rentals (non-owner-occupied and bed-and-breakfast) additionally require building inspection and fire marshal life-safety approval, both of which presuppose a valid liability policy in force. Standard Oklahoma homeowner policies typically exclude commercial or short-term rental activity, so most Broken Arrow hosts add a short-term rental endorsement, buy a stand-alone landlord/STR policy, or rely on the platform host-protection programs (Airbnb's AirCover for Hosts and Vrbo's Liability Coverage offer up to $1,000,000 per occurrence on covered platforms) as a secondary layer over a primary policy that meets the city's filing requirement. State law (Oklahoma Statutes Title 11) does not preempt the city from setting STR insurance conditions, and Tulsa County (or, for parts of Broken Arrow within Wagoner County, Wagoner County) does not impose its own STR insurance rule. Failure to maintain the documentation required by the ordinance is a basis for license suspension or revocation.