Des Plaines requires vacation rental operators to maintain general liability insurance of at least $1,000,000 per occurrence covering use of the property as a short-term rental. Proof of coverage must be filed with the registration application and kept current.
Under the Des Plaines vacation rental ordinance, every registered operator must maintain commercial general liability insurance of at least $1,000,000 per occurrence specifically endorsed to cover short-term rental use. A certificate of insurance naming the City of Des Plaines as a certificate holder (or as an additional insured for some categories) must accompany the initial registration and each annual renewal. Standard homeowners policies typically exclude short-term rental activity, so operators usually need a dedicated commercial or hybrid policy. Platform-provided coverage (e.g., AirCover, Vrbo Liability Insurance) may satisfy the requirement if it meets the $1M floor and is specifically documented; operators should confirm in writing. Lapsed coverage is grounds for immediate registration suspension.
Operating without required insurance is treated as operating without a valid registration and carries fines of $500 to $750 per day of violation. The City may seek immediate cessation of rental activity and may pursue cost recovery for any incident-related response.
Des Plaines, IL
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Des Plaines, IL
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Des Plaines, IL
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Des Plaines, IL
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Des Plaines, IL
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Des Plaines, IL
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