Denver STR license applicants must show proof of liability insurance of at least $1,000,000 OR hosting through a platform (Airbnb, Vrbo) that provides equivalent coverage per DRMC §33-45.
Denver Revised Municipal Code §33-45 requires every short-term rental licensee to maintain general liability insurance of at least $1,000,000 per occurrence covering the rental activity. Hosts may satisfy this by either carrying a commercial STR policy (Proper, Obie, CBIZ) or by booking exclusively through a hosting platform that provides equivalent coverage to the host — Airbnb's AirCover for Hosts and Vrbo's Liability Insurance both qualify as of Denver Excise & Licenses guidance. Standard homeowner policies explicitly exclude rental activity over 30 days per year and will not satisfy the requirement. Proof of insurance (declaration page or platform confirmation) must be uploaded at initial application and at each annual renewal. Denver may request proof at any time during enforcement.
No insurance at renewal: license will not renew. Lapsed coverage during term: license suspension until cured. False declaration: immediate revocation and perjury referral.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Denver County, CO
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Denver County, CO
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Denver County, CO
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Denver County, CO
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Denver County, CO
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