Kane County, IL Short-Term Rentals: Insurance Requirements (2026)

Section 7-62 of the Kane County Code lists proof of landlord's liability insurance as one of the required items in every short-term rental application, alongside owner contact information, a 24-hour local agent, the property address, listing details, and well/septic and safety inspection documentation. The ordinance, created by Ordinance 26-038 on January 13, 2026, does not set a minimum coverage dollar amount or specify which perils the policy must cover; it requires only that the owner produce proof the policy exists before the Development and Community Services Department will complete the licensing review.

Because the insurance proof is filed with the same annual application that carries the $200 initial or $100 renewal fee, an owner whose coverage lapses mid-year and cannot produce updated proof at renewal risks the same forfeiture consequence that applies to a late fee payment: the license is not renewed, and a fresh application, including fresh proof of insurance, is required to operate again. The insurance requirement sits alongside, but is separate from, the county's own liability: nothing in Section 7-62 makes the county liable for guest injuries, and Section 7-63's affidavit requirement independently obligates the owner to comply with all applicable laws while renting the property.