Kansas City, KS Short-Term Rentals: Insurance Requirements (2026)

Section 27-623 of the Code of the Unified Government of Wyandotte County and Kansas City, Kansas, adopted April 27, 2023 and effective June 1, 2023, conditions issuance of a short-term rental Special Use Permit on the applicant submitting documentation of liability insurance covering the rental as part of the standard SUP application checklist. The current STR application packet is published by the Planning and Urban Design Department at 701 N 7th Street, Suite 423, and lists proof of insurance as a required submittal alongside the third-party rental inspection, ownership documentation, and floor plan. Unlike other Kansas jurisdictions that fix a numeric coverage minimum in code (for example, Wichita's $250,000 general liability requirement), Kansas City, KS does not publish a fixed-dollar amount on the public-facing portal; the minimum limit is set administratively, and applicants should confirm the current required amount with Planning before filing. Many KCK hosts pair the Airbnb Host Liability or Vrbo Liability Coverage program (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 commercial or transient lodging activity that triggers the Kansas transient guest tax under K.S.A. 12-1696. On February 5, 2026 the Commission also reaffirmed that proof of insurance is part of every complete application, including the streamlined administrative track used for designated major events.