Greeley, CO Short-Term Rentals: Insurance Requirements (2026)

Unlike Denver's $1 million STR liability mandate or Colorado Springs' $500,000 requirement, Greeley has not enacted a municipal short-term rental ordinance specifying a minimum liability insurance figure. Colorado has no statewide STR insurance mandate either, so coverage is governed by the host's contract with their insurer rather than a specific Greeley code section. Most standard homeowner's policies in Colorado exclude or sharply limit coverage for transient or commercial lodging, and platform-provided protection such as Airbnb AirCover or Vrbo's host liability insurance is generally treated as secondary or supplemental rather than a substitute for a dedicated landlord or short-term rental policy. Hosts should notify their insurer in writing that the property is being used for short-term rentals and either add a short-term rental endorsement or purchase a stand-alone STR policy to avoid claim denial. If Greeley adopts a formal STR ordinance in the future it is likely to include a specific minimum, consistent with the trend in other Colorado cities, so operators should monitor Community Development announcements.