Colorado Springs requires short-term rental operators to carry a minimum of 1 million dollars in liability insurance covering commercial rental activity, with proof submitted annually at permit renewal. Policies must name the city as an additional insured for enforcement purposes and cover bodily injury, property damage, and liquor liability where applicable.
Standard homeowner policies do not cover short-term rental activity, so operators must obtain either a commercial rental endorsement, a dedicated STR policy through carriers like Proper, Obie, or Slice, or host protection through Airbnb or Vrbo (Airbnb's 1 million dollar Host Protection Insurance and Vrbo's Liability Insurance satisfy the minimum when active). Operators who rely solely on platform coverage should confirm it applies to direct bookings or other platform rentals. Failure to maintain coverage is grounds for immediate permit suspension.
Operating without proof of insurance is a 500-dollar fine and immediate permit suspension until coverage is demonstrated. Knowingly false insurance declarations are fraud under state law.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Colorado Springs, CO
Colorado Springs City Code section 9.8.201 declares noise from vehicles under 10,000 lbs in excess of 80 dB(A), and from vehicles over 10,000 lbs in excess o...
Colorado Springs, CO
Colorado Springs City Code section 6.7.115 makes it unlawful to own or keep any pet or hoofed animal whose unreasonably loud and persistent barking, howling,...
Colorado Springs, CO
Colorado Springs City Code section 9.8.107 subjects construction projects to the maximum permissible noise levels specified for industrial zones (80 dB(A) da...
Colorado Springs, CO
Colorado Springs City Code section 9.8.104 sets enforceable decibel limits by zone and time of day. In residential zones the cap is 55 dB(A) from 7:00 A.M. t...
Colorado Springs, CO
City Code prohibits parking a recreational vehicle on any public right-of-way (street, alley, or roadway) longer than the time needed to load or unload, city...
Colorado Springs, CO
City Code sets minimum standards for commercial vehicles and restricts parking or storing large commercial vehicles in residential zones, regulates truck rou...
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