Indiana's STR law does not mandate a specific insurance policy, and unincorporated Lake County sets no insurance requirement for short-term rentals. Because ordinances may impose 'only the requirements of this chapter,' a unit cannot add its own insurance mandate.
IC 36-1-24 contains no insurance requirement, and IC 36-1-24-11 limits STR ordinances to 'only the requirements of this chapter,' so a Lake County unit cannot compel hosts to carry a particular liability or commercial STR policy. Hosts still bear practical risk: standard homeowner policies often exclude commercial short-term rental activity, so many operators add a host/short-term-rental endorsement or rely on platform-provided host protection (for example, Airbnb's AirCover or a VRBO liability policy). Those are contractual/insurer requirements, not a county ordinance. Verify any municipal STR ordinance (Gary, Hammond, Merrillville, etc.), but the county imposes no insurance rule.
No county insurance-related penalty exists; the real exposure is denied homeowner claims or personal liability if a guest is injured and coverage is lacking.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Lake County, IN
Backyard composting of yard and food scraps is allowed in Lake County and encouraged by the Lake County Solid Waste Management District. A compost pile must ...
Lake County, IN
Lake County has no county-wide ban on artificial turf for residential yards. Installation is governed mainly by local zoning and stormwater rules and, in dev...
Lake County, IN
Native-plant and prairie landscaping is allowed in Lake County, but it must still comply with local rank-vegetation and detrimental-plant rules. Intentional ...
Lake County, IN
Collecting rainwater is legal in Indiana and Lake County imposes no barrel ban. Rain barrels for outdoor irrigation are unrestricted, though any barrel or ci...
Lake County, IN
Lake County, Indiana sets no county-wide day-of-week lawn watering schedule. Northwest Indiana is not a drought-rationing region, and outdoor water use is go...
Lake County, IN
Indiana law makes property owners destroy detrimental plants. IC 15-16-8-1 lists Canada thistle, Johnson grass, Columbus grass, bur cucumber, and shattercane...
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