Denver STR licensees must carry at least $1,000,000 in liability insurance covering the rental property; insurance provided solely by online platforms such as AirCover does not satisfy this requirement.
Under Denver's STR rules adopted pursuant to DRMC Chapter 33, Article III, every licensed short-term rental must be covered by a minimum of $1,000,000 in liability insurance for the property used as a short-term rental. The City has explicitly clarified that coverage provided solely by an online short-term rental platform (for example, Airbnb's AirCover or similar host-protection programs) does not on its own satisfy the $1 million liability requirement, so most operators must obtain a standalone homeowner's endorsement or dedicated STR policy. Hosts are also expected to notify their insurer that the property is being used as a short-term rental, because most standard homeowner's policies exclude commercial or transient lodging activity and may deny claims if the insurer was not informed. Proof of compliant coverage is part of the licensing record and may be requested by Denver Excise and Licenses during application, renewal, or investigation.
Operating an STR without the required $1M liability coverage, relying solely on platform-provided protection, or failing to disclose STR use to a homeowner's insurer can result in license denial, suspension, revocation, fines, and personal financial exposure for uncovered guest injuries or property damage.
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