Jenks, OK Short-Term Rentals: Insurance Requirements (2026)

Jenks UDO Section 16-5-6(B), adopted by Ordinance No. 1581 in April 2022 and amended by Ordinance No. 1624 in October 2023, sets out the four operational standards for a short-term rental: a Conditional Use Permit under Section 16-9-3(D), payment of the City of Jenks lodging tax rate, deference to private HOA covenants, and a life safety inspection. The text does not establish a numeric liability minimum, name a required policy form, or require operators to file a certificate of insurance with the City Clerk or Planning Department. This contrasts with Oklahoma City, which under Chapter 8 Article XIV requires Home Sharing License applicants to maintain liability coverage. Because Section 16-9-3(D)(3) authorizes the Planning Commission to attach individual conditions to a Conditional Use Permit when needed to protect the public welfare, an insurance requirement could appear on a specific Jenks permit, but it is not a citywide ordinance mandate. Most Jenks hosts pair Airbnb's Host Liability or Vrbo's Liability Coverage program (which provide secondary coverage up to $1,000,000 per occurrence on covered platforms) with a dedicated short-term rental endorsement on a homeowner or landlord policy, since standard homeowner policies typically exclude business or transient-lodging use. Operators should also be aware that Tulsa County Health Department rules and the State of Oklahoma Tax Commission lodging tax registration apply.