Neither Fishers' UDO 5.4.6 nor Indiana Code 36-1-24 imposes a mandatory liability-insurance threshold for short-term rentals. State law limits the information a city may demand to owner/manager contacts and marketing details, so an insurance mandate is not part of the permit framework.
No published provision of Fishers' UDO Section 5.4.6 sets a minimum liability-insurance amount for short-term rentals, and Indiana Code 36-1-24 does not require one. To the contrary, IC 36-1-24-11 limits what a unit may require on an STR permit to the owner's contact details, any property manager's contact details, and a description of how the rental is marketed — and provides that the permit 'may not require any additional information.' That cap makes it difficult for a city to compel proof of insurance through the permit process. As a practical matter, hosts should still carry adequate homeowner's or commercial short-term rental liability coverage and confirm what their booking platform provides (for example, platform host-protection programs), because standard homeowner policies often exclude commercial rental activity — but this is a risk-management best practice, not a Fishers or Indiana legal mandate. Confirm current requirements with Fishers Planning & Zoning, especially given 2026 state-law changes to local rental regulation.
Because no insurance mandate exists in the City code or state STR statute, there is no insurance-related code violation. Lacking adequate coverage is a financial/liability risk to the host rather than a permitting violation.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
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Fishers has no ordinance prohibiting backyard composting. Indiana exempts an individual composting vegetative matter on their own property from IDEM composti...
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Fishers has no ordinance banning artificial turf, but its UDO will not credit it toward required landscaping: § 6.7.3.G states 'dead, diseased or artificial ...
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Fishers actively encourages native planting: its UDO landscaping standards (§ 6.7.1) aim to 'encourage native planting that protect biodiversity,' draw plant...
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Fishers has no ordinance restricting residential rainwater harvesting, and Indiana places no statewide limit on collecting rainwater for non-potable use. Non...
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Fishers Code Chapter 52 lets the Mayor declare a water warning or water emergency for the Citizens Water / Indiana American system. Under § 52.05, restrictio...
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Fishers Code §§ 95.20-95.25 require owners to cut weeds and rank vegetation over eight inches tall, plus any noxious plants listed in IC 15-16-7-2. The Depar...
Side-by-side rule comparisons with other cities in Hamilton County.
See how Fishers's insurance requirements rules stack up against other locations.
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