Evanston requires short-term rental operators to maintain liability insurance coverage as a condition of licensure. Hosts must carry adequate insurance to cover guest injuries and property damage during rental periods.
As part of Evanston's short-term rental licensing program, hosts must maintain liability insurance with minimum coverage amounts specified by the licensing requirements. The insurance must cover bodily injury and property damage that may occur during guest occupancy. Hosts should verify that their homeowner's or renter's insurance policy covers short-term rental activity, as many standard policies exclude commercial hospitality use. Dedicated short-term rental insurance or a supplemental rider may be necessary. Platform-provided insurance through Airbnb or VRBO may supplement but does not necessarily satisfy the city's insurance requirements. Proof of insurance must be provided with the license application and maintained throughout the license period. Lapsed insurance may result in suspension of the rental license. Contact Community Development at (847) 448-4311 for specific coverage requirements.
Operating a short-term rental without required insurance coverage is a license violation. The city may suspend or revoke the rental license until proof of adequate insurance is provided. Operating without a license carries additional fines.
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