Indianapolis does not mandate specific liability insurance for short-term rentals, since Indiana law limits how much cities can require. Hosts are still strongly advised to carry commercial-grade STR coverage.
Indiana Code 36-1-24 restricts cities from imposing STR-specific operating burdens beyond a basic registration. Indianapolis registration asks hosts to confirm they have appropriate coverage but does not set a dollar minimum. Standard homeowner policies typically exclude commercial short-term rental activity, leaving hosts exposed to guest injury claims, liquor liability, and property damage. Most hosts add a commercial STR rider or use a platform-provided policy such as Airbnb AirCover or Vrbo Liability Insurance, which offer up to one million dollars in primary liability coverage when activated.
There is no city fine for going uninsured. Liability falls fully on the host and any insurer. Code-enforcement action can still apply if uninsured incidents trigger nuisance or safety complaints.
Indianapolis, IN
Indianapolis uses a plainly-audible standard combined with a 115 dB amplifier cap under Rev. Code Ch. 391, Article III rather than zone-based dBA limits.
Indianapolis, IN
Indianapolis does not impose specific leaf blower hours, but Revised Code Sec. 391-302 prohibits operating any blower or power fan in a way that makes unreas...
Indianapolis, IN
Indianapolis Revised Code Chapter 391, Article III prohibits unreasonable noise from amplified sources and caps sound-producing instruments at 115 decibels m...
Indianapolis, IN
Indianapolis adopts the Indiana Residential Code under Rev. Code Ch. 536, which requires a minimum 48-inch barrier around residential pools 24 inches deep or...
Indianapolis, IN
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Indianapolis, IN
Marion County Rev. Code Sec. 591-421 and Indiana Code 22-11-18-3.5 require working smoke detectors in every Indianapolis dwelling, with landlords responsible...
See how Indianapolis's insurance requirements rules stack up against other locations.
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