Most Hennepin County cities require short-term rental hosts to carry $1 million liability insurance specifically endorsed for short-term rental use. Standard homeowner policies typically exclude commercial rental activity, so a separate STR rider is needed.
Minneapolis, Bloomington, Edina, and Plymouth require proof of $1 million STR-specific liability coverage at license application and annual renewal. Standard homeowner policies in Minnesota exclude business activity, including STR use, leaving uninsured hosts exposed to guest injury claims. Airbnb's Host Liability Insurance provides up to $1 million per occurrence and is accepted by most Hennepin County cities; VRBO offers similar Liability Insurance Program coverage. Hosts must keep policy declarations on file and provide them within 48 hours of city request.
Lack of insurance disqualifies STR license renewal and exposes hosts to personal liability for guest injuries, which can total hundreds of thousands of dollars per claim.
Hennepin County, MN
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Hennepin County, MN
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Hennepin County, MN
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Hennepin County, MN
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Hennepin County, MN
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Hennepin County, MN
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See how Hennepin County's insurance requirements rules stack up against other locations.
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