Centennial's STR ordinance requires hosts to maintain general liability insurance for the rental property. The application process under Ord. 2021-O-14 calls for documentation as part of the licensing package. Standard homeowners policies typically exclude commercial STR activity, so a dedicated STR endorsement or commercial policy is generally needed.
Under Centennial Ordinance 2021-O-14 (Chapter 6, Article 9 of the Municipal Code), STR operators must maintain general liability insurance covering the rental activity as a condition of licensing. Standard homeowners insurance policies generally exclude commercial activity such as short-term rentals, which means most hosts need a dedicated STR endorsement, a landlord/dwelling policy with STR coverage, or a commercial policy. Hosts should confirm the exact coverage threshold required by Centennial's STR program with the City Clerk's office before submitting the application, as the city does not publish a single statutory dollar figure on its public STR pages. Coverage must remain active throughout the license term, and lapses may result in license suspension or non-renewal. Many STR booking platforms (Airbnb's AirCover, Vrbo's Liability Insurance) provide supplemental host protection but do not necessarily satisfy a municipality's stand-alone liability requirement.
Operating without required liability insurance: license denial, suspension, or revocation. Lapsed coverage discovered during renewal: potential non-renewal until proof is provided.
Centennial, CO
Centennial's Municipal Code Chapter 10, Article 12 prohibits excessive noise that endangers personal or real property. The city relies on a general 'excessiv...
Centennial, CO
Centennial regulates construction noise through its general noise ordinance and building regulations under Chapter 18. Construction activities are generally ...
Centennial, CO
Centennial's animal regulations address incessant barking as a noise disturbance that violates the peace and quiet of a neighborhood. Dogs found creating exc...
Centennial, CO
Centennial limits RV and trailer street parking to 48 hours at a time with at least 24 hours between parking periods. RVs must park in front of and on the sa...
Centennial, CO
Centennial's Land Development Code regulates driveway design and parking surfaces. The city rejected a 2019 proposal to limit yard parking area percentages. ...
Centennial, CO
Centennial approved a 14-day street parking limit for regular vehicles in residential areas. After 14 days, the vehicle must be off the street for 7 consecut...
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