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
Continuously barking or howling dogs that create unreasonable disturbances are prohibited under Colorado Springs City Code §9.9.302 and the general noise ord...
Colorado Springs, CO
Construction noise in Colorado Springs is subject to the general noise ordinance (§9.8.101). Construction activities that exceed permissible decibel limits o...
Colorado Springs, CO
Colorado Springs prohibits excessive noise under City Code Title 9, Chapter 9.8. Residential decibel limits are more restrictive between 7 PM and 7 AM, with ...
Colorado Springs, CO
Colorado Springs bans RVs from parking on any public street citywide except for brief loading/unloading. On private property, RVs must be stored in side/rear...
Colorado Springs, CO
Commercial vehicles with a GVWR of 10,001 lbs or more cannot be stored on private property in residential zoning districts. Trucks cannot park on residential...
Colorado Springs, CO
Colorado follows the Good Neighbor Fence Law (C.R.S. §35-46-112), which does not prescribe statewide height limits but requires shared fence costs if both ne...
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