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.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Indianapolis, IN
Indianapolis Revised Code section 391-302(c)(6) bans operating any vehicle, engine, or motor with straight pipes, muffler cutouts, bypasses, or exhaust that ...
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 section 391-302(c)(2) prohibits radios, loudspeakers, sound amplifiers, and musical instruments that make unreasonable noise, and t...
Indianapolis, IN
Indianapolis has no blanket overnight street-parking ban for ordinary passenger vehicles, but Code Sec. 621-117 caps parking on any street at six hours witho...
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...
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