Eagan, MN Short-Term Rentals: Insurance Requirements (2026)

Reviewing the full text of Section 6.55, the ordinance does not impose any liability-insurance or proof-of-coverage requirement on rental dwelling owners. The license application requirements (Subd. 4) cover owner/manager contact details, ownership and tax identifiers, and certifications about leases, the Minnesota Crime Free Housing Lease Addendum, criminal background checks, and required training — but they do not list an insurance certificate. The maintenance standards and conditions of license (Subd. 15) require compliance with building, fire, property-maintenance, zoning, animal, and nuisance codes, but again no insurance threshold. Because Eagan does not license short-term rentals at all, there is likewise no STR-specific insurance requirement. That said, insurance is still practically important: standard homeowner or landlord policies often exclude or limit short-term/transient occupancy, and operating outside Eagan's permitted uses could complicate a claim. Owners of any rental should confirm with their insurer that their policy matches the actual use of the property and consider appropriate liability coverage. For licensed 30+ day rentals, a landlord/dwelling-fire policy is typical even though the city does not formally require one. Always verify current requirements with the Community Development Department, since fee schedules and policies are updated by Council resolution.