Boulder County, CO Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Insurance required
- Yes, at application
- Minimum liability
- $500,000
- Rental exposure
- Must be shown on certificate
- Certificate update
- Yearly and on policy change
- Coverage duration
- Full two-year license period
Summary
Yes. Applicants must show a certificate of insurance with adequate liability and property limits insuring at least $500,000 in liability and reflecting rental exposure. Coverage must stay in place for the entire two-year license period.
Applicant must demonstrate that the proposed Licensed Premises is covered by appropriate insurance in the form of a certificate of insurance with adequate liability and property insurance limits that must at a minimum, insure liability at $500,000 and show a rental exposure.
Full Breakdown
Section 4.A.2 requires proof of insurance as a condition of licensing: a certificate of insurance with adequate liability and property limits that at a minimum insures $500,000 in liability and shows a rental exposure. A new insurance certificate must be submitted yearly when the policy renews, or any time the policy changes. Boulder County's program confirms coverage must remain in force for the full duration of the two-year license, not just individual bookings. Standard homeowner's policies often exclude commercial rental use, so hosts typically need a short-term rental endorsement or dedicated policy showing rental exposure.
Violations & Fines
Failing to maintain or update the required insurance certificate is an ordinance violation and can block issuance or renewal, with fines and possible license suspension for continued non-compliance.
Frequently Asked Questions
How much liability insurance do I need?
Does my regular homeowner's policy count?
Sources & Official References
Other rules in Boulder County
Compare Boulder County to another location·View the Colorado short-term rentals overview
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