Cheyenne does not impose a minimum liability insurance mandate on short-term rentals, but operators are strongly advised to carry commercial short-term rental coverage because standard homeowner policies typically exclude transient lodging.
Wyoming and Cheyenne have not enacted a statutory minimum liability coverage requirement for short-term rentals as some jurisdictions have. However, standard homeowner insurance policies typically exclude or significantly limit coverage when a dwelling is used for paid transient lodging. Practical risk management calls for at least one million dollars in commercial short-term rental liability coverage, plus loss-of-use protection. Some platforms like Airbnb offer host protection programs that may serve as supplemental rather than primary coverage. Mortgage lenders may also impose insurance requirements when discovering a property is used as an STR.
Operating an STR without adequate commercial coverage exposes the host to personal liability for guest injuries, property damage claims, and potentially voided homeowner insurance.
Cheyenne, WY
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Cheyenne, WY
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Cheyenne, WY
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Cheyenne, WY
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Cheyenne, WY
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Cheyenne, WY
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